| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURING SOURCES3 Filed as: INSURING SOURCES INC. | 7031 SW 60TH STREET MIAMI, FL 331431835 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | — | $35K | 9.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA, INC. | 14900 NW 79TH COURT SUITE 200 MIAMI LAKES, FL 33016 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $31 | $1K | 0.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA, FL 321152412 | METROPOLITAN LIFE INSURANCE COMPANY | — | $251 | $251 | 0.07% |
| INSURING SOURCES3 | 8200 NW 41ST STREET DORAL, FL 331666205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| INSURING SOURCES3 | 8200 NW 41ST STREET SUITE 200 DORAL, FL 331666205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| INSURING SOURCES3 | 8200 NW 41ST STREET DORAL, FL 331666205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 10.00% |
| INSURING SOURCES3 Filed as: INSURING SOURCES INC | 7031 SW 60TH ST MIAMI, FL 331431835 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $7K | — | $7K | 7.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 14900 NW 79TH CT STE 200 MIAMI LAKES, FL 330165869 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $2K | — | $2K | 2.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 321152412 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $320 | $320 | 0.35% |
| INSURING SOURCES3 | 8200 NW 41ST STREET DORAL, FL 331666205 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $561K |
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 | 1,434 | 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) | 1,434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,009 | $462K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,009 | $370K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,434 | $562K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 376 | $169K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 346 | $154K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,434 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,434 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.