| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $12K | $55K | 19.46% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.63% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFIT INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.37% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $704 | $704 | 0.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $193 | $193 | 0.07% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFIT INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $181 | $181 | 0.06% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFIT INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $20 | $20 | 0.01% |
| SHELTON BENEFITS LLC3 Filed as: SHELTON ADVISORS INC | 939 W NORTH AVE STE 750 CHICAGO, IL 606427142 | METROPOLITAN LIFE INSURANCE COMPANY | $638 | $0 | $638 | 10.10% |
| BENEFITS EDUCATORS LLC3 Filed as: BENEFITS EDUCATORS INC | 1954 SUNSET RIDGE RD GLENVIEW, IL 600251849 | METROPOLITAN LIFE INSURANCE COMPANY | $334 | $21 | $355 | 5.62% |
| GIS BENEFITS INC3 | 422 WAUPONNSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $313 | $0 | $313 | 4.95% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMINSTRATORS | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $313 | $313 | 4.95% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFIT INC | 422 WAUPONSEE ST. MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $77 | $77 | 1.22% |
| SHELTON ADIVSORS INC3 | 939 W NORTH AVE STE 750 CHICAGO, IL 606427142 | METROPOLITAN LIFE INSURANCE COMPANY | $779 | $0 | $779 | 12.93% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS INC | 1954 SUNSET RIDGE RD GLENVIEW, IL 600251849 | METROPOLITAN LIFE INSURANCE COMPANY | $419 | $21 | $440 | 7.31% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $330 | $330 | 5.48% |
| GIS BENEFITS INC3 | 422 WAUPONSEE CT MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $330 | $0 | $330 | 5.48% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFIT INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $82 | $82 | 1.36% |
| SHELTON BENEFITS LLC3 Filed as: SHELTON ADVISORS INC | 939 W NORTH AVE STE 750 CHICAGO, IL 606427142 | METROPOLITAN LIFE INSURANCE COMPANY | $249 | $0 | $249 | 6.55% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $214 | $0 | $214 | 5.63% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFITS ADMINISTRATOR | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $214 | $214 | 5.63% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFIT INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $134 | $21 | $155 | 4.08% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $53 | $53 | 1.40% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 600251849 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 22 | $16K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $284K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $284K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $284K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $284K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $284K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 306 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.