| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: EMPIRE BLUECROSS BLUESHIELD | — | QBE INSURANCE | — | $75K | $75K | 7.30% |
| EMPYREAN INSURANCE SERVICES, INC.5 Filed as: EMPYREAN BENEFIT SOLUTIONS | 3010 BRIARPARK DR. #8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC. | 29754 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 29754 NETWORK PL CHICAGO, IL 606731297 | METROPOLITAN LIFE INSUR | $6K | $33 | $6K | 7.08% |
| EMPYREAN INSURANCE SERVICES, INC.5 Filed as: EMPYREAN BENEFIT SOLUTIONS, INC | 3010 BRIARPARK DR #8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSUR | — | $3K | $3K | 3.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESEE INC | 26 CENTURY BLVD. C/O JP MORGAN CHASE NASHVILLE, TN 372143685 | METROPOLITAN LIFE INSUR | — | $1K | $1K | 1.72% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES | PO BOX 2569 BELLAIRE, TX 77402 | EYEMED VISION CARE | $4K | — | $4K | 5.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST | 29727 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE | $4K | — | $4K | 4.60% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST INC. | 29754 NETWORK PL CHICAGO, IL 60673 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 11.32% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON SOUTHEAST, INC | 29754 NETWORK PL. CHICAGO, IL 606731297 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $34 | $6K | 13.66% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS INC. | 3010 BRIARPARK DR. #8000 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 6.79% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF TENNESSEE INC. | 26 CENTURY BLVD. C/0 JP MORGAN CHASE NASHVILLE, TN 372143685 | METROPOLITAN LIFE INSURANCE COMPANY | — | $989 | $989 | 2.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | PO BOX 4557 NEW YORK, NY 10249 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | — | $1K | 10.02% |
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 | 731 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 609 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSUR | 369 | $133K |
| Dental | DELTA DENTAL | 1,155 | $354K |
| Vision | EYEMED VISION CARE | 1,015 | $82K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 941 | $356K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 941 | $356K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 941 | $356K |
| Stop-loss / reinsurancereinsurance | QBE INSURANCE | 558 | $1.0M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 941 | $453K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,155 | — |
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."
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.