| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURICA, INC.3 Filed as: INSURICA DFB INSURANCE SERVICES LLC | 301 SOUTH POLK STREET, SUITE 600 AMARILLO, TX 79101 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $0 | $50K | 11.44% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN., INC. | 101 SOUTH GARLAND AVENUE. SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $563 | $13K | $13K | 3.07% |
| INSURICA, INC.3 Filed as: INSURICA DFB INSURANCE SERVICES LLC | 301 SOUTH POLK STREET, SUITE 600 AMARILLO, TX 79101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $0 | $11K | 10.70% |
| INSURICA, INC.3 Filed as: INSURICA DFB INSURANCE SERVICES LLC | 301 SOUTH POLK STREET, SUITE 600 AMARILLO, TX 79101 | METLIFE LEGAL PLANS, INC. | $2K | $0 | $2K | 10.40% |
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 | 543 | 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) | 543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,277 | $434K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,277 | $434K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,277 | $434K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $107K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $107K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,277 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,277 | — |
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.