| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENESYS ENTERPRISES LLC3 Filed as: GENESYS ENTERPRISES, LLC | 900 CIRCLE 75 PARKWAY SE SUITE 1695 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $41K | $30K | $71K | 4.87% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 5404 CYPRESS CENTER DRIVE SUITE 130 TAMPA, FL 33609 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $0 | $36K | 9.41% |
| GENESYS ENTERPRISES LLC3 Filed as: GENESYS ENTERPRISES, LLC | 900 CIRCLE 75 PARKWAY SE SUITE 1695 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $0 | $36K | 9.26% |
| EMPYREAN INSURANCE SERVICES, INC.3 | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 3.06% |
| GROUP RISK SPECIALISTS INC3 Filed as: GROUP RISK SPECILAIST, INC. | 3340 PEACHTREE ROAD NE SUITE 1525 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $51 | $8K | 2.05% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | 3606 ENTERPRISE AVENUE, SUITE 304 NAPLES, FL 34104 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $1 | $2K | 10.64% |
| EMPYREAN BENEFITS3 | 3010 BRIARPARK DRIVE, SUITE 800 HOUSTON, TX 77042 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $0 | $569 | $569 | 2.80% |
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 | 2,868 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 172 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 4,092 | $1.5M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,092 | $1.5M |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 4,092 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,092 | — |
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.