| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | METROPOLITAN LIFE INSURANCE COMPANY | $48K | $15K | $63K | 3.55% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 2412 DAYTONA BEACH, FL 32115 | METROPOLITAN LIFE INSURANCE COMPANY | $324 | $252 | $576 | 0.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | HYATT LEGAL PLANS, INC. | $2K | $283 | $2K | 13.69% |
| AGS BENEFITS GROUP LLC3 | 420 LEXINGTON AVENUE SUITE 531 NEW YORK, NY 10170 | HYATT LEGAL PLANS, INC. | $0 | $34 | $34 | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 14900 NW 79TH CT STE 200 MIAMI LAKE, FL 33016 | HYATT LEGAL PLANS, INC. | $0 | $12 | $12 | 0.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 5900 N. ANDREWS LANE SUITE 401 FORT LAUDERDALE, FL 33309 | HYATT LEGAL PLANS, INC. | $0 | $12 | $12 | 0.08% |
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 | 1,146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 95 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,222 | $1.8M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,222 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,222 | $1.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,222 | $1.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,222 | $1.8M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,222 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,222 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.