| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $4K | $21K | 21.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.27% |
| RANKIN & RANKIN3 Filed as: RANKIN AND RANKIN INC | PO BOX 2547 ZANESVILLE, OH 43702 | METROPOLITAN LIFE INSURANCE COMPANY | $501 | — | $501 | 0.51% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP | 1900 POLARIS PARKWAY COLUMBUS, OH 43240 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $28 | $4K | 32.41% |
| RANKIN & RANKIN3 Filed as: RANKIN AND RANKIN INC | PO BOX 2547 ZANESVILLE, OH 43702 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 32.16% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $517 | $214 | $731 | 6.49% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $517 | $517 | 4.59% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $28 | $4K | 32.56% |
| RANKIN & RANKIN3 Filed as: RANKIN AND RANKIN INC | PO BOX 2547 ZANESVILLE, OH 43702 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 32.31% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $519 | $214 | $733 | 6.51% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $519 | $519 | 4.61% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $28 | $4K | 32.57% |
| RANKIN & RANKIN3 Filed as: RANKIN AND RANKIN INC | PO BOX 2547 ZANESVILLE, OH 43702 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 32.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $515 | $212 | $727 | 6.51% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $515 | $515 | 4.61% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $99K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $99K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $110K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $99K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $99K |
| Stop-loss / reinsurancereinsurance | THE NORTH RIVER INSURANCE CO | 77 | $299K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 156 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.