| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | UNKNOWN EXETER, NH 03833 | HPHC INSURANCE COMPANY | $28K | — | $28K | 4.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | UNKNOWN EXETER, NH 03833 | HARVARD PILGRIM HEALTH CARE OF NE INC | $15K | — | $15K | 4.48% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | 9401 AMBERGLEN BOULEVARD, SUITE 100 AUSTIN, TX 78729 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $5K | $26K | 20.44% |
| EMPLOYER PLAN SVCS INC3 Filed as: EMPLOYER PLAN SERVICES INC | 2180 NORTH LOOP WEST, SUITE 100 HOUSTON, TX 77018 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.55% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | 204 CEDAR STREET CAMBRIDGE, MD 21613 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.19% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $727 | $727 | 0.57% |
| GROUP INSURANCE SERVICES INC3 | PO BOX 901 NAPERVILLE, IL 60566 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10 | $10 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 20TH FLOOR ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.46% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 107 CANDLELIGHT LANE MORRIS, IL 60450 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 8.00% |
| FINANCIAL BALANCE GROUP LLC3 | 1901 RESEARCH BOULEVARD, SUITE 400 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $79 | — | $79 | 0.16% |
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 | 84 | 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) | 84 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 90 | $911K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $128K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $128K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $128K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $51K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 84 | $51K |
| Prescription drug(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 90 | $911K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 105 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.