| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOONE-CHAPMAN BENEFIT ADMINISTRATOR3 | PO BOX 9201,BLDG 1 SUITE 100 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 20.08% |
| ACRISURE LLC3 Filed as: ACRISURE LLC. | 2965 ALT 19 PALM HARBOR, FL 34683 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.36% |
| GIS BENEFITS INC3 | 9500 KOGER AVE, STE 200 ST PETERSBURG, FL 33702 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $808 | $808 | 1.35% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INSURANC | 5411 SKYCENTER DR STE 600 TAMPA, FL 33607 | RELIANCE STANDARD | $2K | $0 | $2K | 12.51% |
| BOONE-CHAPMAN BENEFIT ADMINISTRATOR3 | PO BOX 9201,BLDG 1 SUITE 100 AUSTIN, TX 78766 | RELIANCE STANDARD | $0 | $840 | $840 | 6.25% |
| GIS BENEFITS INC3 Filed as: GIS OF FLORIDA | 9500 KOGER AVE, STE 200 ST PETERSBURG, FL 33702 | RELIANCE STANDARD | $840 | $0 | $840 | 6.25% |
| ACRISURE LLC3 | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | SAFEGUARD HEALTH PLANS, INC. | $0 | $37 | $37 | 2.35% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC. | $0 | $22 | $22 | 1.40% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $61K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $60K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $60K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.