| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 327654508 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.35% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATORS | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $565 | $565 | 0.15% |
| IMA, INC.3 Filed as: IMA INC - 000 | PO BOX 2992 WICHITA, KS 672012992 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 19.51% |
| THE INSURANCE PARTNERS LLC -0003 Filed as: THE INSURANCE PARTNERS LLC - 000 | 11225 COLLEGE BLVD STE 105 OVERLAND PARK, KS 662102770 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 16.30% |
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 | 758 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 764 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 953 | $369K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 953 | $369K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 953 | $386K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 953 | $369K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 953 | $369K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 953 | $386K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 953 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.