| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUMMIT INVESTMENT ADVISORS, INC3 | 11350 MCCORMICK RD, SUITE 501 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 11.30% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.72% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.93% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $466 | $466 | 0.88% |
| SUMMIT INVESTMENT ADVISORS, INC3 | 11350 MCCORMICK RD, SUITE 501 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.95% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $840 | $840 | 5.31% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $758 | $758 | 4.80% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $275 | $275 | 1.74% |
| SUMMIT INVESTMENT ADVISORS, INC3 | 11350 MCCORMICK RD, SUITE 501 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 16.05% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $770 | $770 | 5.35% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $691 | $691 | 4.80% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $266 | $266 | 1.85% |
| SUMMIT INVESTMENT ADVISORS, INC3 | 11350 MCCORMICK RD, SUITE 501 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.17% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $693 | $693 | 5.05% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $658 | $658 | 4.80% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $228 | $228 | 1.66% |
| SUMMIT INVESTMENT ADVISORS, INC3 | 11350 MCCORMICK RD, SUITE 501 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.29% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $690 | $690 | 5.10% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $647 | $647 | 4.78% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $270 | $270 | 1.99% |
| SUMMIT INVESTMENT ADVISORS, INC3 | 11350 MCCORMICK RD, SUITE 501 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $631 | — | $631 | 5.31% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $631 | $631 | 5.31% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | P.O. BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $564 | $564 | 4.75% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $114 | $114 | 0.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 ADMIN FEES | Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Other services; Participant communication Service code 12 | 2701 NORTH ROCKY POINTE DR. TAMPA, FL 33607 | $11K |
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 | 245 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.