| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD BLDG 3, SUITE 700 ROLLING MEADOWS, IL 600084732 | METROPOLITAN LIFE INSURANCE COMPANY | $71K | — | $71K | 8.70% |
| VIRTUS LLC3 | 4550 W 109TH ST SUITE 301 LEAWOOD, KS 662111360 | METROPOLITAN LIFE INSURANCE COMPANY | -$36 | $24K | $24K | 2.91% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVENUE SUITE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $972 | — | $972 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DRIVE SUITE 100 LAS VEGAS, NC 891193761 | METROPOLITAN LIFE INSURANCE COMPANY | -$352 | $406 | $54 | 0.01% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD BLDG 3, SUITE 700 ROLLING MEADOWS, IL 600084732 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 21.00% |
| VIRTUS LLC3 | 4550 W 109TH ST SUITE 301 LEAWOOD, KS 662111360 | METROPOLITAN LIFE INSURANCE COMPANY | $145 | $2K | $2K | 3.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURACE OF NEVADA | 975 KELLY JOHNSON DRIVE SUITE 100 LAS VEGAS, NV 891193761 | METROPOLITAN LIFE INSURANCE COMPANY | $136 | $24 | $160 | 0.27% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE SUITE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $33 | — | $33 | 0.06% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD BLDG 3, SUITE 700 ROLLING MEADOWS, IL 600084732 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 21.84% |
| VIRTUS LLC3 | 4550 W 109TH ST SUITE 301 LEAWOOD, KS 662111360 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | $1K | $1K | 3.40% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $34 | — | $34 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DRIVE SUITE 100 LAS VEGAS, NV 891193761 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | $20 | $22 | 0.05% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD BLDG 3, SUITE 700 ROLLING MEADOWS, IL 600084732 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 30.27% |
| VIRTUS LLC3 | 4550 W 109TH ST SUITE 301 LEAWOOD, KS 662111360 | METROPOLITAN LIFE INSURANCE COMPANY | -$1 | $1K | $1K | 4.69% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $40 | — | $40 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF NEVADA | 975 KELLY JOHNSON DRIVE SUITE 100 LAS VEGAS, NV 891193761 | METROPOLITAN LIFE INSURANCE COMPANY | -$1 | $25 | $24 | 0.08% |
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 | 720 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 736 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 758 | $815K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 758 | $815K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 758 | $815K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 758 | $815K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 758 | $815K |
| Stop-loss / reinsurancereinsurance(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 626 | $1.4M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 758 | $978K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 758 | — |
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.