| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRIME GROUP INSURANCE SERVICES, INC3 | 5215 WEST LAUREL STREET SUITE 100 TAMPA, FL 33607 | BLUE CROSS BLUE SHIELD OF FLORIDA | $111K | — | $111K | 6.00% |
| PRIME GROUP INSURANCE SERVICES, INC3 | 5215 WEST LAUREL STREET SUITE 100 TAMPA, FL 33607 | HEALTH OPTIONS, INC. | $13K | — | $13K | 6.00% |
| PRIMEGROUP INSURANCE SERVICES3 | 5215 WEST LAUREL STREET SUITE 100 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $4K | $13K | 8.19% |
| PRIME GROUP INSURANCE SERVICES, INC3 | 5215 W. LAUREL ST. STE 100 TAMPA, FL 33607 | USABLE LIFE | $19K | $2K | $21K | 14.29% |
| PRIME GROUP INSURANCE SERVICES, INC3 | 5215 W. LAUREL ST STE 100 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $730 | $5K | 22.83% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $961 | $220 | $1K | 5.90% |
| PRIMEGROUP INSURANCE SERVICES3 | 5215 WEST LAUREL STREET SUITE 100 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $686 | $4K | 21.91% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $809 | $197 | $1K | 5.62% |
| PRIMEGROUP INSURANCE SERVICES3 | 5215 WEST LAUREL STREET SUITE 100 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $428 | $2K | 19.76% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $516 | $123 | $639 | 5.06% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 144 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $158K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 193 | $158K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $306K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $306K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $306K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.