| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $255K | $22K | $278K | 16.25% |
| BENEPLACE, INC.3 Filed as: BENEPLACE LLC | 19495 BISCAYNE BLVD STE 300 ACCOUNT RECEIVABLE AVENTURA, NY 331802319 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | $7K | $92K | 5.41% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $196K | $17K | $213K | 16.30% |
| BENEPLACE, INC.3 Filed as: BENEPLACE LLC | 19495 BISCAYNE BLVD STE 300 ACCOUNT RECEIVABLE AVENTURA, FL 331802319 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | $6K | $71K | 5.43% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $87 | $1K | 16.48% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | 19495 BISCAYNE BLVD STE 300 ACCOUNT RECEIVABLE AVENTURA, FL 331802319 | METROPOLITAN LIFE INSURANCE COMPANY | $412 | $7 | $419 | 5.37% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $428 | $67 | $495 | 17.20% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | 19495 BISCAYNE BLVD STE 300 ACCOUNT RECEIVABLE AVENTURA, FL 331802319 | METROPOLITAN LIFE INSURANCE COMPANY | $148 | $1 | $149 | 5.18% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | METROPOLITAN LIFE INSURANCE COMPANY | $378 | $69 | $447 | 18.62% |
| BENEPLACE, INC.3 Filed as: BENEPLACE INC | 19495 BISCAYNE BLVD STE 300 ACCOUNT RECEIVABLE AVENTURA, FL 331802319 | METROPOLITAN LIFE INSURANCE COMPANY | $128 | $2 | $130 | 5.41% |
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 | 13,584 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 13,584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 13,584 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,584 | — |
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.