| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.64% |
| ENERGY INSURANCE AGENCY INC3 | PO BOX 55268 LEXINGTON, KY 40555 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.65% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $860 | $860 | 2.84% |
| ENERGY INSURANCE AGENCY INC3 | PO BOX 55268 LEXINGTON, KY 40555 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 16.95% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.44% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMSTRS INC | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.99% |
| ENERGY INSURANCE AGENCY INC3 | PO BOX 55268 LEXINGTON, KY 40555 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.30% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.77% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $799 | $799 | 3.98% |
| ENERGY INSURANCE AGENCY INC3 | PO BOX 55268 LEXINGTON, KY 40555 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 16.95% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.41% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMSTRS INC | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $738 | $738 | 3.99% |
| ENERGY INSURANCE AGENCY INC3 | PO BOX 55268 LEXINGTON, KY 40555 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.38% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $866 | $866 | 6.92% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $510 | $510 | 4.07% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $468 | $468 | 6.48% |
| ENERGY INSURANCE AGENCY INC3 | PO BOX 55268 LEXINGTON, KY 40555 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $408 | — | $408 | 5.65% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $288 | $288 | 3.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH) INC | — | COMBINED INSURANCE | $2K | — | $2K | 38.78% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | — | COMBINED INSURANCE | $288 | — | $288 | 4.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OH) INC | — | COMBINED INSURANCE | $655 | — | $655 | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | — | COMBINED INSURANCE | $196 | — | $196 | 4.49% |
| ENERGY INSURANCE AGENCY INC3 | PO BOX 55268 LEXINGTON, KY 40555 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $484 | — | $484 | 20.18% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMSTRS INC | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $123 | $123 | 5.13% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $42 | $42 | 1.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MULTIBENEFIT SERVICES OHIO EIN 36-4104766 ADMIN | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $47K |
| ENERGY INSURANCE AGENCY INC EIN 61-1004028 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $23K |
| STAR MARKETING AND ADMINISTRATION, EIN 36-3403079 ADMIN | Other services; Plan Administrator; Claims processing Service code 12 | — | $10K |
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 | 181 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 71 | $30K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 70 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $13K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $30K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 61 | $19K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 181 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.