| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.3 | 5151 PFEIFFER RD ML 400 PFEIFFER WOODS CINCINNATI, OH 45242 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 0.63% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $18K | $77K | 18.86% |
| DEVORE & CHAPEL, INC.3 | 770 KENMOOR AVE SE STE 300 GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 6.16% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 5.50% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $5K | $9K | 2.08% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: BURNHAM & FLOWERS AGENCY OF INDIANA | 10441 ILLINOIS RD FORT WAYNE, IN 46814 | METROPOLITAN LIFE INSURANCE COMPANY | — | $28 | $28 | 0.01% |
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 | 722 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 722 | $410K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 722 | $410K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 722 | $410K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 722 | $410K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 722 | $410K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 722 | $410K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 350 | $629K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 722 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 722 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.