| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONTIE DAVID FOSTER LUTCF3 Filed as: MONTIE FOSTER | 7077 BONNEVAL ROAD, SUITE 380 JACKSONVILLE, FL 32216 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | $0 | $82K | 9.30% |
| PLANSOURCE BENEFITS ADMINISTRATION5 Filed as: PLANSOURCE BENEFITS ADMIN., INC. | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $35K | $35K | 3.97% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $304 | $30K | 3.38% |
| PLANSOURCE BENEFITS ADMINISTRATION5 Filed as: PLANSOURCE BENEFIT ADMIN., INC. | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.17% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN., INC. | 101 SOUTH GARGLAND AVENUE, SUITE 20 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | METLIFE LEGAL PLANS OF FLORIDA | $3K | $38 | $3K | 9.80% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 8 CADILLAC DRIVE, SUITE 230 BRENTWOOD, TN 37027 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $518 | $518 | 1.87% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE | PO BOX 1313 ORLANDO, FL 32802 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $250 | $250 | 0.90% |
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 | 760 | 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) | 760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,785 | $881K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,785 | $881K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,785 | $881K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,785 | $881K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,785 | $881K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,500 | $932K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,500 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.