| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIER INSURANCE GROUP INC3 | 68 SE 6TH ST APT 1709 MIAMI, FL 33131 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 4.17% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $8K | $40K | 23.69% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.51% |
| MIER INSURANCE GROUP INC3 | 808 BRICKELL KEY DR APT 1405 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.02% |
| MIER INSURANCE GROUP INC3 | 68 SE 6TH ST APT 1709 MIAMI, FL 33131 | HEALTH OPTIONS | — | $4K | $4K | 4.58% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS INC A FLORIDA CORPORATION | $0 | $53 | $53 | 1.60% |
| MIER INSURANCE GROUP INC3 | 808 BRICKELL KEY DR APT 1405 MIAMI, FL 33131 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $225 | — | $225 | 15.00% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 36 | $525K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $173K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $170K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $170K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $170K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $170K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.