| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FAISON GROUP BENEFITS INC3 | 6500 NW 12TH AVE STE 119 FT LAUDERDALE, FL 333091146 | HUMANA MEDICAL PLAN, INC. | $30K | $741 | $30K | 7.34% |
| FAISON GROUP BENEFITS INC3 | PO BOX 6009 ASHLAND, VA 23005 | STANDARD INSURANCE COMPANY | $6K | $871 | $7K | 10.62% |
| FAISON GROUP BENEFITS INC3 Filed as: FAISON GROUP BENEFITS | 6500 NW 12TH AVE STE 119 FORT LAUDERDALE, FL 333091146 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 13.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $136 | $136 | 0.48% |
| FAISON GROUP BENEFITS INC3 Filed as: FAISON GROUP BENEFITS | 6500 NW 12TH AVE STE 119 FORT LAUDERDALE, FL 33309 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 16.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 20.61% |
| FAISON GROUP BENEFITS INC3 Filed as: FAISON GROUP BENEFITS | 6500 NW 12TH AVE STE 119 FORT LAUDERDALE, FL 33309 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 15.09% |
| FAISON GROUP BENEFITS INC3 Filed as: FAISON GROUP BENEFITS | 6500 NW 12TH AVE STE 119 FORT LAUDERDALE, FL 33309 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 14.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5 | $5 | 0.05% |
| FAISON GROUP BENEFITS INC3 Filed as: FAISON GROUP BENEFITS | 6500 NW 12TH AVE STE 119 FORT LAUDERDALE, FL 33309 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 23.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 70 NE LOOP 410 STE 325 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $133 | — | $133 | 1.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2000 MORRIS AVE APT 1400 BIRMINGHAM, AL 35203 | METROPOLITAN LIFE INSURANCE COMPANY | $80 | — | $80 | 1.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20 | $20 | 0.27% |
| FAISON GROUP BENEFITS INC3 Filed as: FAISON GROUP BENEFITS | 6500 NW 12TH AVE STE 119 FORT LAUDERDALE, FL 333091146 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $38 | — | $38 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IA 600063009 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $8 | $8 | — |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA MEDICAL PLAN, INC. | 51 | $413K |
| Dental(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 144 | $92K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $28K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $28K |
| Other(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 144 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.