| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUCENT HEALTH SOLUTIONS5 Filed as: LUCENT HEALTH - NASHVILLE, TN | 424 CHURCH STREET, SUITE 2300 NASHVILLE, TN 37219 | EVEREST REINSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE FLOOR 13 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $13K | $93K | 15.59% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON THOMAS LLC DBA | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 2.95% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 4634 GULFSTARR DR DESTIN, FL 32541 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11K | $11K | 1.85% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE FLOOR 13 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $748 | $8K | 22.22% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 4634 GULFSTARR DR DESTIN, FL 32541 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $708 | $708 | 2.08% |
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 | 681 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 681 | $596K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 681 | $596K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 681 | $596K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 333 | $745K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 681 | $630K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 681 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.