| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHOICE BENEFITS INC3 | 9007 BRITTANY WAY TAMPA, FL 33619 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $40K | $40K | 2.69% |
| CHOICE BENEFITS INC3 | 9007 BRITTANY WAY TAMPA, FL 33619 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.78% |
| CHOICE BENEFITS INC3 | 9007 BRITTANY WAY TAMPA, FL 33619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $210 | $2K | 5.46% |
| CHOICE BENEFITS INC3 | 9007 BRITTANY WAY TAMPA, FL 33619 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.36% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $208 | $2K | 5.50% |
| CHOICE BENEFITS INC3 | 715 S US HWY 301 TAMPA, FL 33619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $123 | $1K | 5.46% |
| CHOICE BENEFITS INC3 Filed as: CHOICE BENEFITS, INC. | 715 SOUTH US HIGHWAY 301 TAMPA, FL 33619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $706 | $2K | 7.85% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| CHOICE BENEFITS INC3 Filed as: CHOICE BENEFITS, INC. | 715 SOUTH US HIGHWAY 301 TAMPA, FL 33619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $448 | $205 | $653 | 7.28% |
| CHOICE BENEFITS INC3 Filed as: CHOICE BENEFITS, INC. | 715 SOUTH US HIGHWAY 301 TAMPA, FL 33619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $442 | $221 | $663 | 7.50% |
| CHOICE BENEFITS INC3 Filed as: CHOICE BENEFITS, INC. | 715 SOUTH US HIGHWAY 301 TAMPA, FL 33619 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $422 | $0 | $422 | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $141 | $76 | $217 | 7.72% |
| CHOICE BENEFITS INC3 | 9007 BRITTANY WAY TAMPA, FL 33619 | METLIFE LEGAL PLANS | $207 | $0 | $207 | 7.94% |
| GIS NATIONAL3 Filed as: GIS OF FLORIDA | 9500 KOGER AVE SUITE 200 ST PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $118 | $0 | $118 | 4.52% |
| GIS NATIONAL3 | 9500 KOGER AVE SUITE 200 ST PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $110 | $0 | $110 | 4.22% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BDLD 1 SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $106 | $106 | 4.06% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $1.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 252 | $107K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $29K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $54K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $46K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.