| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | $87 | $52K | 12.08% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $7K | $30K | 7.15% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $19K | $19K | 4.44% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.94% |
| RED GATE GROUP LLC3 Filed as: RED GATE GROUP, LLC | 2 CENTRAL AVENUE, SUITE 201 MADISON, NJ 07940 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.12% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $0 | $4K | 4.98% |
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 | 396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 15 | $82K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 616 | $427K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 616 | $427K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 616 | $427K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 616 | $427K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 616 | $427K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 616 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.