| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON | 300 SOUTH STATE STREET SUITE 1000 SYRACUSE, NY 13212 | EXCELLUS BLUE CROSS BLUE SHIELD | $36K | — | $36K | 4.30% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 21.80% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.81% |
| CONSILIARIUM GROUP LLC3 | 1250 PITTSFORD VICTOR ROAD BUILDING 100 SUITE 110 PITTSFORD, NY 145349500 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.48% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC. | P.O. BOX 4743 SYRACUSE, NY 132214743 | METROPOLITAN LIFE INSURANCE COMPANY | — | $348 | $348 | 0.50% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC. | P.O. BOX 4743 SYRACUSE, NY 132214743 | METROPOLITAN LIFE INSURANCE COMPANY | $654 | $348 | $1K | 9.35% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $328 | $131 | $459 | 4.28% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $327 | $327 | 3.05% |
| ACRISURE LLC3 Filed as: HAYLOR FREYER & COON INC. | P.O. BOX 4743 SYRACUSE, NY 132214743 | METROPOLITAN LIFE INSURANCE COMPANY | $601 | $348 | $949 | 11.72% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $241 | $96 | $337 | 4.16% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | P.O. BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $241 | $241 | 2.98% |
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 | 409 | 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) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 108 | $826K |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 409 | $178K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 409 | $108K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 409 | $178K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 409 | $178K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 409 | $178K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 108 | $826K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 409 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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."
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.