| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $11K | $56K | 6.26% |
| 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 | $45K | — | $45K | 5.05% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE. STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.27% |
| 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 | $24K | — | $24K | 3.37% |
| 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 | $10K | — | $10K | 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 | $936 | — | $936 | 10.38% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $507 | $126 | $633 | 7.02% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $468 | $468 | 5.19% |
| PLANSOURCE BENEFITS ADMINISTRATION5 | 101 S. GARLAND AVE. STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32 | $32 | 0.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL GROUP BENEFITS EIN 54-2016867 BROKER | Insurance agents and brokers Service code 22 | — | $254K |
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 TPA | Contract Administrator Service code 13 | — | $162K |
| CIGNA EIN 59-1031071 PPO | Other services Service code 49 | — | $98K |
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 | 928 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 48 | $505K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,554 | $989K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,554 | $894K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 928 | $705K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 928 | $705K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 928 | $705K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 48 | $407K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 530 | $821K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 928 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,554 | — |
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.