| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL P KEENAN3 Filed as: DANIEL P. KEENAN, ACORN FINANCIAL | 30 WASHINGTON AVENUE SUITE B-6 HADDONFIELD, NJ 08033 | AETNA LIFE INSURANCE CO. | $70K | $0 | $70K | 4.00% |
| DANIEL P KEENAN3 Filed as: DANIEL KEENAN | 30 WASHINGTON AVENUE STE B-6 HADDONFIELD, NJ 08033 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $0 | $24K | 11.31% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P. O. BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.66% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.66% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET SUITE B-6 MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.14% |
| DANIEL P KEENAN3 | 30 WASHINGTON AVENUE SUITE B-6 HADDONFIELD, NJ 08033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.76% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.88% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $822 | $822 | 0.96% |
| DANIEL P KEENAN3 Filed as: DANIEL P. KEENAN | 30 WASHINGTON AVENUE SUITE B-6 HADDONFIELD, NJ 08033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $527 | $0 | $527 | 11.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $240 | $0 | $240 | 5.01% |
| GIS BENEFITS INC3 Filed as: GIS | 244 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $53 | $53 | 1.11% |
| DANIEL P KEENAN3 | 30 WASHINGTON AVENUE SUITE B-6 HADDONFIELD, NJ 08033 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $415 | $0 | $415 | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 604502215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $138 | $0 | $138 | 4.99% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 604502215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $30 | $30 | 1.08% |
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 | 632 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 632 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 170 | $1.8M |
| Dental(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 632 | $251K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 632 | $212K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 349 | $91K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 55 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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.