| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | PO BOX 1313 ORLANDO, FL 328021313 | METROPOLITAN LIFE INSURANCE COMPANY | $330K | $238K | $568K | 13.25% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $130K | $130K | 3.04% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | PO BOX 1313 ORLANDO, FL 328021313 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $16K | $48K | 16.55% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $34 | $10K | 3.36% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | PO BOX 1313 ORLANDO, FL 328021313 | METROPOLITAN LIFE INSURANCE COMPANY | $86K | $13K | $99K | 37.92% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.72% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $3K | $101 | $3K | 6.16% |
| NEXT GENERATION ENROLLMENT INC.3 Filed as: NEXT GENERATION ENROLLMENT INC | 455 PETTIS AVE SE ADA, MI 49301 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | — | $2K | 3.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Contract Administrator; Claims processing Service code 12 | — | $40K |
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 | 4,414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 7,604 | $552K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 21,352 | $4.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 21,352 | $4.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 21,352 | $4.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 21,352 | $4.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 21,352 | $4.3M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 21,352 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,352 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.