| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $198 | $12K | 7.30% |
| UNITED PRODUCERS GROUP LLC3 | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.23% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES LLC | 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $147 | $2K | 0.98% |
| EPSIX, INC.3 Filed as: EPSIX INC | 13924 E DYER LANE SCOTTSDALE, AZ 85262 | AFLAC | $13K | $0 | $13K | 31.18% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GEORGIA | 800 BROAD STREET SUITE 100 ROME, GA 30161 | AFLAC | $10K | $0 | $10K | 25.71% |
| RYKER FERGUSON VALK3 | 1430 WEST JEROME AVENUE MESA, AZ 85202 | AFLAC | $2K | $0 | $2K | 4.69% |
| KATHLEEN T BENES3 Filed as: KATHLEEN THERESA GILBREATH | 103 AVERY DRIVE TALKING ROCK, GA 30175 | AFLAC | $738 | $0 | $738 | 1.84% |
| JOHN P KOWN II3 Filed as: JOHN PHILLIP KOWN | 1226 BONSHAW TRAIL MARIETTA, GA 30144 | AFLAC | $355 | $0 | $355 | 0.89% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $169K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $169K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $169K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $169K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $169K |
| Stop-loss / reinsurancereinsurance | US FIRE INSURANCE COMPANY | 0 | $634K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 364 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.