| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | BLUECROSS BLUESHIELD OF TEXAS | $3.8M | $0 | $3.8M | 32.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $153K | $15K | $168K | 13.91% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $3K | $64K | 5.31% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $60K | $60K | 4.98% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $52K | $52K | 4.27% |
| BIG BENEFIT CORP3 Filed as: BIG BENEFITCORP INC | 12655 N CENTRAL EXPY STE 810 DALLAS, TX 75243 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.63% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE STE 1 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 10.81% |
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 | 1,746 | 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) | 1,746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,753 | $11.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,746 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,746 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,746 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,746 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,746 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,746 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,753 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.