| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS R. SHIELS & ASSOCIATES INC.3 Filed as: DENNIS R. SHIELS & ASSOCIATES, INC. | 9200 MONTGOMERY RD., BLDG. E STE. #17B CINCINNATI, OH 45242 | BERKLEY ACCIDENT & HEALTH INSURANCE | $34K | — | $34K | 14.00% |
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC3 Filed as: BENEFIT ADMINISTRATIVE SYSTEMS | 17475 JOVANNA DRIVE HOMELAND, IL 60430 | BERKLEY ACCIDENT & HEALTH INSURANCE | $2K | — | $2K | 1.00% |
| DENNIS R. SHIELS & ASSOCIATES INC.3 Filed as: DENNIS R. SHIELS & ASSOC. INC. | 9200 MONTGOMERY RD., BLDG. E STE. #17B CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 7.89% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 7.30% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 Filed as: BOON CHAPMAN BNFT ADMNSTRS INC. | P.O. BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $798 | $798 | 1.58% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $606 | $606 | 1.20% |
| DENNIS R. SHIELS & ASSOCIATES INC.3 Filed as: DENNIS R. SHIELS & ASSOC. INC. | 9200 MONTGOMERY RD., BLDG. E STE. #17B CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $238 | $4K | 16.75% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.28% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 Filed as: BOON CHAPMAN BNFT ADMNSTRS INC. | P.O. BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $823 | $823 | 3.17% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $626 | $626 | 2.41% |
| DENNIS R. SHIELS & ASSOCIATES INC.3 Filed as: DENNIS R. SHIELS & ASSOCIATES, INC. | 9200 MONTGOMERY RD., BLDG. E STE. #17B CINCINNATI, OH 45242 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $700 | $238 | $938 | 9.58% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $700 | $700 | 7.15% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 Filed as: BOON CHAPMAN BNFT ADMNSTRS INC. | P.O. BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $309 | $309 | 3.15% |
| MARK S METTILLE3 Filed as: MARK S. METTILLE | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $114 | $114 | 1.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ADMINISTRATIVE SYSTEMS NONE | Insurance brokerage commissions and fees; Other services; Contract Administrator Service code 13 | 17475 JOVANNA DRIVE HOMELAND, IL 60430 | $63K |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 124 | $51K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $10K |
| Stop-loss / reinsurancereinsurance | BERKLEY ACCIDENT & HEALTH INSURANCE | 119 | $244K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.