| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID VANG3 | 18668 GROVE CHURCH COURT LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $52K | $52K | 2.00% |
| CHRISTOPHER HAMMOND3 | 10 TOWER OFFICE PARK SUITE 318 WOBURN, MA 01801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $52K | $52K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN INC | $8K | — | $8K | 0.91% |
| CHRISTOPHER HAMMOND3 | 10 TOWER OFFICE PARK SUITE 318 WOBURN, MA 01801 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 0.56% |
| DAVID VANG3 Filed as: DAVID ALAN VANG | 18668 GROVE CHURCH COURT LEEDSBURG, VA 20175 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 0.56% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $8K | $34K | 7.33% |
| CHRISTOPHER HAMMOND3 | 10 TOWER OFFICE PARK SUITE 318 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 4.63% |
| DAVID VANG3 | 18668 GROVE CHURCH COURT LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 4.63% |
| CHRISTOPHER HAMMOND3 | 10 TOWER OFFICE PARK SUITE 318 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 12.73% |
| DAVID VANG3 | 18668 GROVE CHURCH COURT LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 12.73% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $632 | $3K | 8.13% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 5.58% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $205 | $205 | 0.57% |
| CHRISTOPHER HAMMOND3 | 10 TOWER OFFICE PARK SUITE 318 WOBURN, MA 01801 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 13.28% |
| DAVID VANG3 | 18668 GROVE CHURCH COURT LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 13.28% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $326 | $1K | 8.54% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 6.64% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 SOUTH GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $113 | $113 | 0.66% |
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 | 368 | 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) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 289 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 461 | $457K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 461 | $457K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 461 | $457K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 461 | $457K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 461 | $457K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 461 | $510K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.