| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCNEAL AGY INC3 | PO BOX 724728 ATLANTA, GA 31139 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $8K | — | $8K | 2.56% |
| POINTENORTH INSURANCE GROUP3 Filed as: POINTENORTH INSURANCE GROUP LLC | 1000 PARKWOOD CIRCLE, SUITE 600 ATLANTA, GA 30339 | HUMANA HEALTH PLAN, INC. | $5K | $429 | $5K | 4.24% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $16K | 18.02% |
| GIS BENEFITS INC3 | 422 MAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $737 | $737 | 0.82% |
| POINTENORTH INSURANCE GROUP3 | P.O. BOX 724728 ATLANTA, GA 31139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $197 | $1K | 5.89% |
| POINTENORTH INSURANCE GROUP3 | P.O. BOX 724728 ATLANTA, GA 31139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $954 | $172 | $1K | 5.90% |
| POINTENORTH INSURANCE GROUP3 | P.O. BOX 724728 ATLANTA, GA 31139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $862 | $154 | $1K | 5.89% |
| POINTENORTH INSURANCE GROUP3 | P.O. BOX 724728 ATLANTA, GA 31139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $369 | — | $369 | 14.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $123 | — | $123 | 5.00% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 38 | $442K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 142 | $89K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 142 | $89K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 142 | $109K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $17K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 93 | $22K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 142 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.