| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $96K | $33 | $96K | 10.84% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 327654508 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29K | $29K | 3.25% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.31% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.34% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 327654508 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $3K | $23K | 22.39% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $440 | $9K | 8.65% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $359 | $359 | 0.34% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 327654508 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $21K | 20.33% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $435 | $8K | 7.76% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $359 | $359 | 0.35% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 911098299 | VISION SERVICE PLAN | $7K | — | $7K | 7.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $2K | — | $2K | 2.64% |
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 | 1,163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 911 | $5.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,426 | $889K |
| Vision | VISION SERVICE PLAN | 695 | $90K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,426 | $889K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,426 | $889K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,426 | $889K |
| Prescription drug | ARKANSAS BLUE CROSS AND BLUE SHIELD | 911 | $5.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,426 | $889K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,426 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.