| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $10K | $48K | 19.59% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $3K | $5K | 1.86% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DEPARTMENT 999228 DENVER, CO 80217 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $381 | $4K | 1.65% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.61% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP, LLC | 5285 EAST WILLIAMS CIRCLE SUITE 4500 TUCSON, AZ 85711 | METROPOLITAN LIFE INSURANCE COMPANY | $201 | $0 | $201 | 0.08% |
| LOCKTON COMPANIES, LLC3 | 422 WAUPONSEE STREET DEPARTMENT 999228 DENVER, CO 80217 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $127 | $127 | 0.05% |
| LOCKTON COMPANIES, LLC3 | 422 WAUPONSEE STREET DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $12 | $12 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DEPT 3042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN GENERAL INSURANCE COMPANY | $410 | $16 | $426 | 19.56% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $245K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $245K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $245K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $245K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $245K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 231 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.