| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 | PO BOX 749140 ATLANTA, GA 30374 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | $51 | $77K | 10.15% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 1.75% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 306 W ERIE ST STE 300 CHICAGO, IL 60654 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 0.96% |
| BROWN & BROWN INSURANCE SERVICES3 | 300 N BEACH ST DAYTONA BEACH, FL 32114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.35% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN LONE STAR INSURANCE | 5850 GRANITE PARKWAY SUITE 350 PLANO, TX 75024 | METROPOLITAN LIFE INSURANCE COMPANY | — | $305 | $305 | 0.04% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | $2K | -$493 | -0.07% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $76K | — | $76K | 10.39% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 1.39% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICE | 901 MARQUETTE AVE STE 1800 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 14.27% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON ST STE 17100 BOSTON, MA 02108 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 4.76% |
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 | 893 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 893 | $879K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,528 | $754K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,528 | $754K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 893 | $879K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 893 | $879K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 893 | $879K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 893 | $879K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,528 | — |
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.