| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY CAPTIVE GROUP, LLC3 | 1518 LEGACY DRIVE, SUITE 240 FRISCO, TX 75034 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $0 | $28K | 13.04% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $3K | $14K | 6.60% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.86% |
| TRINITY CAPTIVE GROUP, LLC3 | 1518 LEGACY DRIVE, SUITE 240 FRISCO, TX 75034 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 14.35% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.52% |
| RAND G SIMKINS3 Filed as: RAND G. SIMKINS | 6508 PINE HILLS LANE DENTON, TX 76210 | AFLAC | $742 | $0 | $742 | 3.11% |
| BARBARA A KROLL3 Filed as: BARBARA A. KROLL AND OTHER AGENTS | 41701 KENILWORTH LANE NOVI, MI 48377 | AFLAC | $447 | $0 | $447 | 1.87% |
| MATTHEW MICHALIK3 | 5205 VAN WINKLE STREET BRIGHTON, MI 48116 | AFLAC | $129 | $0 | $129 | 0.54% |
| WENDY LYNN WITT3 | 1157 BOOTH STREET HOWELL, MI 48843 | AFLAC | $117 | $0 | $117 | 0.49% |
| RICHARD WESTERMAYER3 | 5431 MONTICELLO AVENUE DALLAS, TX 75206 | AFLAC | $100 | $0 | $100 | 0.42% |
| RICHARD RUPERT JR3 | 11393 HARBOR COVE FENTON, MI 48430 | AFLAC | $95 | $0 | $95 | 0.40% |
| JOSHUA B DEVRIES3 Filed as: JOSHUA B. DEVRIES | 110 TREALOUT DRIVE, SUITE 202 FENTON, MI 48430 | AFLAC | $59 | $0 | $59 | 0.25% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $218K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 335 | $51K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $242K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $242K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $218K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.