| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 | PO BOX 845052 LOS ANGELES, CA 90084 | COMPANION LIFE COLUMBIA, SC | $23K | — | $23K | 5.26% |
| BENEFITS PLANNING SERVICE3 | 1200 QUAIL ST SUITE 105 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 8.31% |
| MARK METTILLE3 | 422 W AUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $844 | $3K | 1.04% |
| BENEFITS PLANNING SERVICE3 Filed as: BENEFITS PLANNING SVCS | 1200 QUAIL STREET SUITE 105 NEWPORT BEACH, CA 92660 | AMERICAN GENERAL LIFE INS COMPANY | $12K | — | $12K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 200 SOUTH ORANGE AVE SUITE 1350 ORLANDO, FL 32801 | EYEMED VISION CARE | $833 | — | $833 | 1.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS PLANNING SERVICE EIN 33-0421912 BROKER | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $144K |
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMINISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $127K |
| CIGNA HEALTH & LIFE COMPANY EIN 59-1031071 PPO & UR VENDOR | Direct payment from the plan; Other fees Service code 50 | — | $81K |
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 | 493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 711 | $42K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,183 | $364K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE COLUMBIA, SC | 459 | $428K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,183 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,183 | — |
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.