| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $506 | $506 | 0.79% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PKWY STE 600 ALPHARETTA, GA 300092238 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $854 | $854 | 1.86% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PKWY STE 600 ALPHARETTA, GA 300092238 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $117 | $117 | 0.26% |
| MCWALTER VOLUNTEER BENEFITS GROUP3 Filed as: MCWALTER VOLUNTEER BENEFITS GR | 12 WINDING BROOK RD FRANKLIN, MA 02038 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 19.92% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 10.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | -$583 | $2K | 8.08% |
| MCWALTER VOLUNTEER BENEFITS GROUP3 Filed as: MCWALTER VOLUNTEER BENEFITS GR | 12 WINDING BROOK RD FRANKLIN, MA 02038 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $965 | $965 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $965 | — | $965 | 5.00% |
| MCWALTER VOLUNTEER BENEFITS3 Filed as: MCWALTER VOLUNTEER | BENEFITS GROUP, INC 12 WINDING BROOK RD FRANKLIN, MA 02038 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.48% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFITS INC DBA GIS | COMMUNICATIONS 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $168 | — | $168 | 1.27% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | — | $19 | 0.14% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14 | — | $14 | 0.11% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 92 | $13K |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 189 | $110K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 189 | $110K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 189 | $112K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $29K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 189 | $93K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 189 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.