| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL P KEENAN3 Filed as: DANIEL P KEENAN, ACORN FINANCIAL SE | 30 WASHINGTON AVENUE HADDONFIELD, NJ 08033 | AETNA LIFE INSURANCE CO. | $54K | $0 | $54K | 3.72% |
| DANIEL P KEENAN3 Filed as: DANIEL KEENAN | 30 WASHINGTON AVE STE B-5 HADDONFIELD, NJ 08033 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 6.84% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $5K | $13K | 5.98% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 3.53% |
| DANIEL P KEENAN3 | 30 WASHINGTON AVE SUITE B-5 HADDONFIELD, NJ 08033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 12.12% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.64% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE CO | $266 | — | $266 | 5.53% |
| DANIEL P KEENAN3 | 30 WASHINGTON AVE STE B-5 HADDONFIELD, NJ 08033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $457 | — | $457 | 15.06% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $64 | $29 | $93 | 3.06% |
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 | 497 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 497 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 222 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 497 | $220K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 497 | $220K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 222 | $87K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 38 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 497 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.