| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GROUP BENEFITS AND FIN SERV | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $9K | $34K | 7.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $8K | $33K | 6.84% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GROUP BENEFIT AND FIN SVCS | 7001 HERITAGE VILLAGE PLAZA STE 100 GAINESVILLE, VA 20155 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | — | $21K | 4.84% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GROUP BENEFITS & FINANCIAL | 7001 HERITAGE VILLAGE PLAZA STE 100 GAINESVILLE, VA 20155 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GROUP BENEFITS AND FIN SERV | 7001 HERITAGE VILLAGE PLZ STE 100 GAINESVILLE, VA 20155 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $317 | $2K | 14.05% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 6.08% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $442 | $332 | $774 | 4.64% |
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 | 656 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 322 | $1.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,030 | $674K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,030 | $481K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 656 | $435K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 656 | $435K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 656 | $435K |
| Prescription drug | NATIONWIDE LIFE INSURANCE COMPANY | 322 | $1.1M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 656 | $645K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,030 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.