| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEMMELGARN BENEFITS, LLC3 | PO BOX 23 MINSTER, OH 45865 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $39 | $28K | 11.28% |
| BENEFITS EDUCATOR3 | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 8.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $8K | $19K | 7.44% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.29% |
| HEMMELGARN BENEFITS, LLC3 | 11 PARKVIEW DRIVE MINSTER, OH 45865 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 14.76% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 4.92% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINS. INC. | PO BOX 9201 AUSTIN, TX 78766 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 4.92% |
| HEMMELGARN BENEFITS, LLC3 | PO BOX 23 MINSTER, OH 45865 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.73% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 9.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.00% |
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 | 802 | 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) | 802 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 802 | $252K |
| Vision | UNKNOWN | 802 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 639 | $71K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $57K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $57K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 802 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 802 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.