| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN FL TAMPA | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | $0 | $43K | 4.82% |
| BROWN & BROWN INSURANCE SERVICES3 | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.95% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 9.23% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS AGENCY OF VA | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.39% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 9401 AMBERGLEN BOULEVARD BUILDING 1 SUITE AUSTIN, TX 78729 | PRINCIPAL LIFE INSURANCE COMPANY | — | -$9 | -$9 | -0.02% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $472 | $2K | 25.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $93 | $93 | 0.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 300 NORTH BEACH STREET DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $93 | $93 | 0.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 140 FOUNTAIN PARKWAY NORTH SUITE 600 SAINT PETERSBURG, FL 33716 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $51 | $51 | 0.54% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INS SVCS | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.03% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 83 PARK PLACE BOULEVARD, SUITE 101 CLEARWATER, FL 33759 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $282 | $78 | $360 | 4.45% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES, INC. | 1200 NORTH MAYFAIR ROAD, SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $157 | $157 | 1.94% |
| IS OF FLORIDA3 | 9500 KOGER AVENUE, SUITE 200 SAINT PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $233 | $0 | $233 | 10.40% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 655 NORTH FRANKLIN STREET SUITE 1900 TAMPA, FL 33602 | METLIFE LEGAL PLANS | $225 | $0 | $225 | 10.04% |
| BOON-CHAPMAN BENE ADMIN, INC.3 | PO BOX 9201, BUILDING I, SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $112 | $112 | 5.00% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $885K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $48K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $9K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $48K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $48K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 116 | $885K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.