| 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 | $238K | $0 | $238K | 16.02% |
| PLANSOURCE BENEFITS ADMINISTRATION5 | 101 SOUTH GARLAND AVENUE, SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $103K | $106K | 7.10% |
| HYLANT GROUP INC3 | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN LIFE INSURANCE COMPANY | $77K | $5K | $83K | 5.55% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | METLIFE LEGAL PLANS OF FLORIDA | $3K | $0 | $3K | 9.72% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLAC DRIVE, SUITE 230 BRENTWOOD, TN 37027 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $479 | $479 | 1.70% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE | PO BOX 1313 ORLANDO, FL 32802 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $416 | $416 | 1.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 | 220 SOUTH RIDGEWOOD AVENUE DAYTONA BEACH, FL 32114 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $255 | $255 | 0.91% |
| UNKNOWN3 | UNKNOWN ORLANDO, FL 32817 | METROPOLITAN FAMILY SERVICES | $1K | $0 | $1K | 5.00% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | METROPOLITAN GENERAL INSURANCE COMPANY | $278 | $0 | $278 | 9.71% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE | PO BOX 1313 ORLANDO, FL 32802 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $208 | $208 | 7.27% |
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 | 671 | 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) | 671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,576 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,576 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,576 | $1.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,576 | $1.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,576 | $1.5M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,500 | $1.5M |
| 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."
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.