| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $261 | $31K | 1.82% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 99 WOOD AVENUE SOUTH, SUITE 501 ISELIN, NJ 08830 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 0.56% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $4K | $8K | 0.48% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.37% |
| LOCKTON COMPANIES, LLC3 | 1111 BRICKELL AVENUE, SUITE 2700 MIAMI, FL 33131 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $1K | $0 | $1K | 3.36% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $160 | $180 | $340 | 1.13% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $299 | $299 | 0.99% |
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 | 1,737 | 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) | 1,753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,829 | $1.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,332 | $118K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,829 | $1.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,829 | $1.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,829 | $1.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,829 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,829 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.