| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS IJC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $10K | $37K | 5.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVD WOODBURY, NY 117972925 | METROPOLITAN LIFE INSURANCE COMPANY | — | $595 | $595 | 0.09% |
| JAMES MOORADIAN3 | 227 DARTMOUTH ST FL 4 BOSTON, MA 021162805 | METROPOLITAN LIFE INSURANCE COMPANY | $141 | — | $141 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVD WOODBURY, NY 11363 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $71 | $9K | 19.04% |
| GIS BENEFITS INC3 | 422 WAUPNESEE ST MORRIS, IL 11363 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $853 | $3K | 6.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVD WOODBURY, NY 117972925 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $603 | $7K | 20.71% |
| GIS BENEFITS INC3 | 422 WAUPNESEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $596 | $2K | 6.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVD WOODBURY, NY 117972925 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $70 | $4K | 12.14% |
| GIS BENEFITS INC3 | 422 WAUPNESEE ST MORRIS, IL 11363 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $756 | $3K | 8.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AENTA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $305K |
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 | 678 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,043 | $77K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,561 | $636K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,561 | $636K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 688 | $694K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,043 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,561 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.