| 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 | $24K | $7K | $31K | 8.08% |
| RONALD KLEIMAN3 | 2550 INTERSTATE DR., STE. 302 HARRISBURG, PA 171109606 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 48.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $539 | $3K | 6.44% |
| E B COHEN & CO INC3 Filed as: E.B. COHEN & CO. INC. | 101 EISENHOWER PKWY. ROSELAND, NJ 07068 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 11.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $143K |
| HILB GROUP OF NEW ENGLAND BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | $0 |
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 | 4,594 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,594 | $609K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,594 | $382K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,594 | $382K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,594 | $382K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,594 | $382K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 381 | $524K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,594 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,594 | — |
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.