| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: ERIC KIERNAN HAYS | 104 NYETIMBER PARKWAY MOON TOWNSHIP, PA 15108 | HIGHMARK INC | $36K | — | $36K | 3.05% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 301 GRANT ST #470 PITTSBURGH, PA 15219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $974 | $4K | 15.49% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.73% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $606 | $606 | 2.10% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE COMPANY | 301 GRANT ST #470 PITTSBURGH, PA 15219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $677 | $4K | 14.79% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.41% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $442 | $442 | 1.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 301 GRANT ST #470 PITTSBURGH, PA 15219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $623 | $3K | 14.67% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.46% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $387 | $387 | 1.79% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 301 GRANT ST #470 PITTSBURGH, PA 15219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $503 | $2K | 19.63% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $572 | $511 | $1K | 12.87% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $109 | $109 | 1.30% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 301 GRANT ST #470 PITTSBURGH, PA 15219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $707 | $350 | $1K | 20.08% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFIT INC | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $185 | $326 | $511 | 9.71% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $66 | $66 | 1.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 301 GRANT ST #470 PITTSBURGH, PA 15219 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $842 | $347 | $1K | 32.11% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $223 | $223 | 6.02% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $47 | $47 | 1.27% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC | 147 | $1.2M |
| Dental | HIGHMARK INC | 147 | $1.2M |
| Vision | HIGHMARK INC | 147 | $1.2M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $22K |
| Prescription drug | HIGHMARK INC | 147 | $1.2M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.