| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $8K | $27K | 4.11% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 2.42% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANIES | PO BOX 99106 CAMDEN, NJ 081019106 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 2.27% |
| WILLIAM A GRAHAM COMPANY3 | 1 PENN SQ W PHILADELPHIA, PA 191024826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $51 | $51 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 PENN SQ W FL 25 PHILADELPHIA, PA 191024802 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33 | $33 | 0.00% |
| BENEPERKS INC3 | 301 N ELM ST STE 520 GREENSBORO, NC 274012189 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 39.62% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $649 | $2K | 3.96% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.83% |
| BENEPERKS INC3 | 301 N ELM ST STE 520 GREENSBORO, NC 274012189 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 40.40% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IA 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $439 | $2K | 4.04% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TN 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.88% |
| BENEPERKS INC3 | 301 N ELM ST STE 520 GREENSBORO, NC 274012189 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 40.08% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $936 | $374 | $1K | 4.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $936 | $936 | 2.86% |
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 | 1,415 | 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) | 1,415 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $128K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,981 | $665K |
| Vision | VISION BENEFITS OF AMERICA | 711 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,981 | $665K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,981 | $665K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,981 | $793K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,981 | — |
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.