| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC. | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 333343621 | METROPOLITAN LIFE INSURANCE COMPANY | $103K | $1K | $104K | 10.61% |
| CAPTIVE INS SERVICES INC3 | 800 CORPORATE DR STE 600 FORT LAUDERALE, FL 333343621 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 10.66% |
| CAPTIVE INSURANCE SERVICES3 | DBA ALPHASTAFF MGA 800 CORPORATE DRIVE STE #600 FORT LAUDERDALE, FL 33334 | EYEMED VISION CARE | $17K | — | $17K | 15.08% |
| CAPTIVE INSURANCE SERVICES3 Filed as: CAPTIVE INSURANCE SERVICES INC. | 800 CORPORATE DRIVE SUITE 600 FORT LAUDERDALE, FL 333343621 | SAFEGUARD HEALTH PLANS, INC.,A FLORIDA CORPORATION | $10K | $143 | $10K | 9.31% |
| CAPTIVE INS SERVICES INC3 | 800 CORPORATE DR STE 600 FORT LAUDERALE, FL 333343621 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $86 | — | $86 | 13.67% |
| CAPTIVE INSURANCE SERVICES3 | DBA ALPHASTAFF MGA 800 CORPORATE DRIVE STE #600 FORT LAUDERDALE, FL 33334 | EYEMED VISION CARE | $56 | — | $56 | 17.13% |
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 | 1,840 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 189 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 680 | $1.2M |
| Vision(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,431 | $242K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 680 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 248 | $131K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 680 | $1.1M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 680 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,431 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.