| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 3034 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $99 | $12K | 5.51% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 4.34% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 3.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $99 | $3K | 1.58% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.93% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | -$13 | $2K | $2K | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $99 | $2K | 18.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $722 | $99 | $821 | 7.07% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $532 | — | $532 | 4.58% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $532 | $532 | 4.58% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | — | $148 | $148 | 1.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | — | $111 | $111 | 0.96% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $106 | $106 | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $99 | $1K | 16.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $490 | $99 | $589 | 7.42% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $374 | — | $374 | 4.71% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $374 | $374 | 4.71% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | $33 | $93 | $126 | 1.59% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $75 | $75 | 0.94% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64 | $64 | 0.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $99 | $1K | 17.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $453 | $99 | $552 | 7.22% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $351 | — | $351 | 4.59% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $351 | $351 | 4.59% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | -$12 | $119 | $107 | 1.40% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | — | $65 | $65 | 0.85% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $217K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $217K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $217K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $217K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $217K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH MERICAN INSURANCE COMPANY | 110 | $209K |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.