| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | UNITEDHEALTHCARE INSURANCE COMPANY | $99K | $0 | $99K | 8.90% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $0 | $18K | 10.58% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $8K | 4.37% |
| HOME OFFICE TPA PAYS COMMISSION3 | 5900 O STREET LINCOLON, NE 68150 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.93% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.13% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVENUE, SUITE 200 ST PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $447 | $0 | $447 | 16.05% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | METLIFE LEGAL PLANS | $380 | $0 | $380 | 13.64% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN., INC. | PO BOX 9201, BUILDING 1, SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $191 | $191 | 6.86% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 61 | $1.1M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 210 | $174K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 210 | $174K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 210 | $174K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 210 | $174K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 210 | $174K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 61 | $1.1M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 210 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.