| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 15.93% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $881 | $5K | 6.93% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14 | $14 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IRONSHORE INDEMNITY INC BROKER | Insurance agents and brokers Service code 22 | 12221 MERIT DR STE 1800 DALLAS, TX 75251 | $146K |
| GALLAGHER BENEFIT SERVICES BROKER | Insurance agents and brokers Service code 22 | 777 108TH AVE NE STE 200 PO BOX 95287 BELLEVUE, WA 98004 | $20K |
| CIGNA CORPORATION ADMIN | Claims processing Service code 12 | PO BOX 645014 CINCINNATI, OH 45264 | $16K |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $75K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $75K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $75K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $75K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.