| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEVEL FUNDED HEALTH PARTNERS, LLC3 Filed as: LEVEL FUNDED HELATH PARTNERS LLC | 3552 PILOT CIRCLE NAPLES, FL 34120 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $114K | — | $114K | 1.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF KENTUCKY | 13101 MAGISTERIAL DRIVE SUITE 200 LOUISVILLE, KY 40223 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $78K | — | $78K | 0.97% |
| LEVEL FUNDED HEALTH PARTNERS, LLC3 Filed as: LEVEL FUNDED HEALTH PARTNERS LLC | 3552 PILOT CIR NAPLES, FL 34120 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | — | $49K | 10.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $3K | $43K | 9.37% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $4K | $27K | 5.87% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR. ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 10.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 6.19% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $602 | $4K | 3.88% |
| LEVEL FUNDED HEALTH PARTNERS, LLC3 Filed as: LEVEL FUNDED HEALTH PARTNERS LLC | 3552 PILOT CIR NAPLES, FL 34120 | METROPOLITAN LIFE INSURANCE COMPANY | $701 | — | $701 | 0.66% |
| KEYSTONE INS & BENEFITS GROUP LLC3 Filed as: KEYSTONE INS. & BENEFIT GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAN, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | $403 | — | $403 | 0.38% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $81 | $81 | 0.08% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR. ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 13.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.48% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $607 | $4K | 4.12% |
| LEVEL FUNDED HEALTH PARTNERS, LLC3 Filed as: LEVEL FUNDED HEALTH PARTNERS | 3552 PILOT CIR NAPLES, FL 34120 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.58% |
| BRANDON PENKO3 | 4927 MAGNOLIA ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KENTUCKY INC | 13101 MAGISTERIAL DRIVE STE 200 LOUISVILLE, KY 40223 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $6K | 6.82% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $521 | $3K | 3.94% |
| LEVEL FUNDED HEALTH PARTNERS, LLC3 Filed as: LEVEL FUNDED HEALTH PARTNERS LLC | 3552 PILOT CIR NAPLES, FL 34120 | METROPOLITAN LIFE INSURANCE COMPANY | $705 | — | $705 | 0.80% |
| KEYSTONE INS & BENEFITS GROUP LLC3 | 1995 POINT TOWNSHIP DR. ATTN PAM KROHN NORTHUMBERLAND, PA 17857 | METROPOLITAN LIFE INSURANCE COMPANY | -$14 | — | -$14 | -0.02% |
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 | 559 | 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) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 559 | $8.4M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 1,392 | $8.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,392 | $457K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,392 | $457K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,392 | $457K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 123 | $8.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,392 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,392 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.