| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUST MANAGEMENT GROUP3 | 300 PRIMERA BLVD SUITE 140 LAKE MARY, FL 32746 | METROPOLITAN LIFE INSURANCE COMPANY | $778 | — | $778 | 3.95% |
| INSURANCE CONSULTING GROUP INC3 Filed as: INSURANCE CONSULTING GROUP | 799 BRICKELL PLAZA, STE #600 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $497 | — | $497 | 2.53% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $239 | — | $239 | 1.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 1421 PINE RIDGE RD., SUITE 200 NAPLES, FL 34107 | METROPOLITAN LIFE INSURANCE COMPANY | $216 | — | $216 | 1.10% |
| FRINGE BENEFIT PLANS INC3 Filed as: FRINGE BENEFIT PLANS | 2211 LEE ROAD, SUITE 100 WINTER PARK, FL 32789 | METROPOLITAN LIFE INSURANCE COMPANY | $112 | — | $112 | 0.57% |
| THE HAGAR GROUP3 | 151 E. HIGHLAND BLVD SUITE 171 INVERNESS, FL 34452 | METROPOLITAN LIFE INSURANCE COMPANY | $97 | — | $97 | 0.49% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ | P.O. BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $86 | — | $86 | 0.44% |
| RON SELLERS & ASSOCIATES INC3 | 300 AVENUE OF THE CHAMPIONS PALM BEACH GARDENS, FL 33418 | METROPOLITAN LIFE INSURANCE COMPANY | $74 | — | $74 | 0.38% |
| M.E. WILSON COMPANY, LLC3 Filed as: M.E. WILSON | 300 W. PLATT STREET TAMPA, FL 33606 | METROPOLITAN LIFE INSURANCE COMPANY | $43 | — | $43 | 0.22% |
| JEFFREY PERSKY & ASSOCIATES3 | 3146 TIMBERVIEW DRIVE DUNEDIN, FL 34698 | METROPOLITAN LIFE INSURANCE COMPANY | $21 | — | $21 | 0.11% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | METROPOLITAN LIFE INSURANCE COMPANY | $18 | — | $18 | 0.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $13 | — | $13 | 0.07% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 103 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.