| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 78720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $148K | — | $148K | 10.52% |
| LARSON INSURANCE GROUP3 | 1497 MAIN ST #307 DUNEDIN, FL 346984612 | HARTFORD LIFE AND ACCIDENT | $58K | $6K | $64K | 5.52% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 78720 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $143K | — | $143K | 20.23% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 1.01% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | PO BOX 203550 AUSTIN, TX 78720 | METLIFE LEGAL PLANS OF FLORIDA | $47K | $26K | $72K | 16.87% |
| LARSON INSURANCE GROUP3 | 1497 MAIN ST #307 DUNEDIN, FL 346984612 | METROPOLITAN LIFE INSURANCE COMPANY | $89K | $14K | $103K | 24.77% |
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 | 24,846 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 136 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 24,982 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,667 | $455K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 16,451 | $2.0M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 572 | $1.2M |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 3,197 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,451 | — |
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.