| 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 | $123K | — | $123K | 5.10% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $7K | $40K | 21.65% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 3.09% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $328 | $328 | 3.68% |
| PATRICK KIRCHNER3 | C/O GIS BENEFITS OF FLORIDA INC 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $854 | $5K | 136.12% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $28 | $4K | 112.46% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $707 | $3K | 87.37% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 67.12% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $28 | $5K | 220.97% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $536 | $2K | 96.19% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 73.26% |
| PATRICK KIRCHNER3 | C/O GIS BENEFITS OF FLORIDA INC 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $493 | $3K | 155.10% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $28 | $3K | 131.74% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $423 | $2K | 84.63% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 63.39% |
| PATRICK KIRCHNER3 | C/O GIS BENEFITS OF FLORIDA INC MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $467 | $2K | 143.39% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $28 | $2K | 116.75% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $327 | $1K | 82.40% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 62.56% |
| PATRICK KIRCHNER3 | C/O GIS BENEFITS OF FLORIDA INC 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $319 | $2K | 127.85% |
| FRENCH CORMANY INSURANCE SERVICES3 Filed as: FRENCH & CORMANY INSURANCE SVC | 1422 EDINGER AVE., SUITE 200 TUSTIN, CA 92780 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $28 | $1K | 104.15% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $770 | $242 | $1K | 82.41% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $770 | $770 | 62.70% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NET | 220 | $2.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 467 | $193K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 467 | $184K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 467 | $184K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 54 | $2K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $2K |
| Prescription drug | HEALTH NET | 220 | $2.4M |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 467 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.