| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | HEALTH NET | $95K | — | $95K | 4.02% |
| B&G PENSION AND INSURANCE SERVICES3 | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | HEALTH NET | $20K | — | $20K | 0.86% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | $5K | $30K | 22.05% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.88% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $162 | $162 | 1.88% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 372.71% |
| PATRICK KIRCHNER3 | C/O GIS BENEFITS OF FLORIDA INC 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 372.71% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $553 | $2K | 74.52% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 53.23% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 139.77% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $402 | $1K | 65.24% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 46.59% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 334.64% |
| PATRICK KIRCHNER3 | C/O GIS BENEFITS OF FLORIDA INC 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 334.64% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $429 | $2K | 72.07% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 51.49% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 359.94% |
| PATRICK KIRCHNER3 | C/O GIS BENEFITS OF FLORIDA INC MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 359.94% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $818 | $327 | $1K | 72.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $818 | $818 | 51.45% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 360.24% |
| PATRICK KIRCHNER3 | C/O GIS BENEFITS OF FLORIDA INC 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 360.24% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $548 | $219 | $767 | 72.09% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $548 | $548 | 51.50% |
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 | 457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 244 | $2.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $143K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $135K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 53 | $2K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 85 | $2K |
| Prescription drug | HEALTH NET | 244 | $2.4M |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 457 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.