| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT ADVISORS INC | 24 ARNETT AVE STE 110 LAMBERTVILLE, NJ 08530 | METROPOLITAN LIFE INSURANCE COMPANY | $77K | $867 | $78K | 14.48% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 2.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT ADVISORS | P.O. BOX 746540 ATLANTA, GA 30374 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO NY | $4K | — | $4K | 7.94% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $605 | $8K | 38.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT ADVISORS INC | 24 ARNETT AVE STE 110 LAMBERTVILLE, NJ 08530 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $98 | $3K | 15.45% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $436 | $2K | 7.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | PO BOX 746540 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $56 | $3K | 12.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT ADVISORS INC | 24 ARNETT AVE SUITE 110 LAMBERTVILLE, NJ 08530 | METROPOLITAN GENERAL INSURANCE COMPANY | $835 | — | $835 | 4.03% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $328 | $4K | 40.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT ADVISORS INC | 24 ARNETT AVE STE 110 LAMBERTVILLE, NJ 08530 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $99 | $2K | 15.85% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $591 | $236 | $827 | 7.51% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $286 | $4K | 38.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT ADVISORS INC | 24 ARNETT AVE STE 110 LAMBERTVILLE, NJ 08530 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $99 | $2K | 15.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $521 | $208 | $729 | 7.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT ADVISORS INC | 24 ARNETT AVE STE 110 LAMBERTVILLE, NJ 08530 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $50 | $8 | $58 | 10.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT ADVISORS INC | 24 ARNETT AVE STE 110 LAMBERTVILLE, NJ 08530 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $50 | $9 | $59 | 11.32% |
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 | 407 | 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) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 861 | $538K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO NY | 730 | $53K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 861 | $537K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 861 | $537K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 861 | $537K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 861 | $601K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 861 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.