| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | 6.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $98 | $5K | 5.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INSURANCE SERVICES | 3700 FOREST DRIVE SUITE 300 COLUMBIA, SC 29204 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $98 | $3K | 3.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF SOUTH CAROLINA | PO BOX 16837 GREENVILLE, SC 29606 | METROPOLITAN LIFE INSURANCE COMPANY | — | $649 | $649 | 0.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SOUTH CAROLINA INC | — | COMMUNITY EYE CARE | $1K | — | $1K | 10.00% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $90K |
| Vision | COMMUNITY EYE CARE | 153 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $90K |
| Stop-loss / reinsurancereinsurance | WELLNET HEALTHCARE | 86 | $221K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.