| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $63K | $26K | $89K | 2.74% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $12K | $42K | 2.91% |
| BENE RE LLC3 | 5217 MONROE ST SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $31K | $31K | 6.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1200 N MAYFAIR RD STE 100 MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $18K | $0 | $18K | 3.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1200 N MAYFAIR RD STE 1001200N MILWAUKEE, WI 53226 | RELIASTAR LIFE INSURANCE COMPANY | $18K | $0 | $18K | 3.49% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 021083107 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 2.65% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 17,676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,268 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 26,694 | $5.3M |
| Long-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 26,694 | $3.3M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 17,676 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 26,694 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.