| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | CAREFIRST BLUECHOICE, INC. | — | $74K | $74K | 5.96% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 | 1430 SPRING HILL ROAD SUITE 320 MCLEAN, VA 22102 | CAREFIRST BLUECHOICE, INC. | — | $8K | $8K | 0.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $77 | $25K | 11.46% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $4K | $14K | 6.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $77 | $5K | 21.80% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $478 | $2K | 7.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | — | $299 | $299 | 1.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $77 | $3K | 23.76% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $773 | $309 | $1K | 8.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | — | $193 | $193 | 1.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $77 | $3K | 22.67% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $715 | $286 | $1K | 7.73% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS. AGENCY OF VA | 11220 ASSETT LOOP STE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | — | $179 | $179 | 1.38% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 313 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $215K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $215K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $215K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $215K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $215K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 313 | $1.2M |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $264K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.