| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $10K | $53K | 7.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS BLVD SUITE 210N WOODBURY, NY 117972925 | METROPOLITAN LIFE INSURANCE COMPANY | — | $66 | $66 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS MEMORIAL HWY SUITE 210N WOODBURY, NY 11363 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $684 | $15K | 25.21% |
| GIS BENEFITS INC3 | 422 WAUPNESEE ST MORRIS, IL 11363 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $821 | $4K | 7.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 401 BROADHOLLOW RD SUITE 200 MELVILLE, NY 117474708 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $523 | $11K | 24.15% |
| GIS BENEFITS INC3 | 422 WAUPNESEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $624 | $3K | 7.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 401 BROADHOLLOW RD SUITE 200 WOODBURY, NY 117474708 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $560 | $6K | 12.73% |
| GIS BENEFITS INC3 | 422 WAUPNESEE ST MORRIS, IL 11363 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $627 | $3K | 7.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AENTA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $336K |
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 | 689 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,008 | $105K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,605 | $727K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,605 | $727K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 789 | $723K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,081 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,605 | — |
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.