| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW BRACKBILL3 | 244 SILVERWOOD DRIVE LITITIZ, PA 175439493 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 13.24% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $8K | 6.39% |
| ANDREW BRACKBILL3 Filed as: ANDREW H BRACKBILL | 244 SILVERWOOD DRIVE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 13.76% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $597 | $2K | 6.42% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 4.59% |
| ANDREW BRACKBILL3 Filed as: ANDREW H BRACKBILL | 244 SILVERWOOD DRIVE LITITZ, PA 17543 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 18.34% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $473 | $2K | 6.42% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.58% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $29K | $0 | $29K | — |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 177 | $58K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 337 | $119K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 337 | $119K |
| Other | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 51 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.