| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE FL 13 ORLANDO, FL 32801 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $0 | $0 | 0.00% |
| J DONOVAN FINANCIAL3 | 333 S GARLAND AVE FL 13 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | $14K | $90K | 16.34% |
| FOUNDATION RISK PARTNERS CORP3 | 4634 GULFSTARR DR DESTIN, FL 32541 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $0 | $29K | 5.32% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC D/B/ | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $2K | $23K | 4.19% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC D/B/ | 20 S KING ST LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.33% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 395 | $1.1M |
| Vision(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 395 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 395 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 395 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 395 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.