| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.41% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.83% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.12% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $640 | $6K | 16.84% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IA 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.99% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SVC | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | RESERVE NATIONAL INSURANCE COMPANY | $11K | — | $11K | 34.02% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | RESERVE NATIONAL INSURANCE COMPANY | $3K | — | $3K | 8.30% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $542 | $4K | 17.63% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.27% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SVC | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $522 | $3K | 17.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IA 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.37% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SVC | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $876 | $876 | 5.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $712 | — | $712 | 5.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 14.79% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORISS, IL 60450 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $266 | — | $266 | 2.95% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $56K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 234 | $56K |
| Life insurance(3 contracts, 3 carriers) | RESERVE NATIONAL INSURANCE COMPANY | 262 | $64K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $36K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $22K |
| Other(3 contracts, 3 carriers) | RESERVE NATIONAL INSURANCE COMPANY | 262 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.