| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEVEL 3 INSURANCE ADVISORS, INC.3 | 201 NORTH NEW YORK AVENUE SUITE 201 WINTER PARK, FL 32789 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $95K | $95K | 4.85% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $11K | $32K | 11.83% |
| LEVEL 3 INSURANCE ADVISORS, INC.3 | 201 NORTH NEW YORK AVENUE SUITE 201 WINTER PARK, FL 32789 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 7.76% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $4K | $10K | 3.85% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632886 CINCINNATI, OH 45263 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.91% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 9500 KOGER AVENUE, SUITE 200 ST PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $759 | — | $759 | 13.93% |
| LEVEL 3 INSURANCE ADVISORS, INC.3 | 201 NORTH NEW YORK AVENUE SUITE 201 WINTER PARK, FL 32789 | METLIFE LEGAL PLANS | $732 | — | $732 | 13.43% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | — | $366 | $366 | 6.72% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $271K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $271K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $271K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $271K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 387 | $271K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $2.0M |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 387 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.