| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JONATHAN S. SPETNER3 Filed as: JONATHAN S SPETNER | 8220 DELMAR BLVD, STE 100 SAINT LOUIS, MO 63124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1.9M | $0 | $1.9M | 59.72% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $157K | $0 | $157K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 6160 GOLDEN HILLS DR MINNEAPOLIS, MN 55416 | DELTA DENTAL OF OHIO | $190K | $0 | $190K | 8.77% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67K | $0 | $67K | 3.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS, MARSH & MCLENNAN AGCY | 32332 COLLECTION CENTER DR CHICAGO, IL 60693 | EYEMED | $59K | $0 | $59K | 4.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS, MARSH & MCLENNAN AGENCY | 32332 COLLECTION CENTER DR. CHICAGO, IL 60693 | EYEMED | $14K | $0 | $14K | 2.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY SOUTHEAST | PO BOX 744831 ATLANTA, GA 30374 | ARMADA CARE | $2K | $0 | $2K | 1.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BROWER INS., MARSH & MCLENNAN AGCY | 32332 COLLECTION CENTER DR CHICAGO, IL 60693 | EYEMED | -$1K | $0 | -$1K | -127.03% |
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 | 11,776 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADA CARE | 18 | $147K |
| Dental | DELTA DENTAL OF OHIO | 10,738 | $2.2M |
| Vision(3 contracts) | EYEMED | 6,107 | $2.1M |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 12,849 | $2.1M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 6,285 | $3.1M |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 12,849 | $2.1M |
| Other(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 12,849 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,849 | — |
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.