| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUDE T. DONATO3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $82K | $0 | $82K | 4.19% |
| LOCKTON COMPANIES, LLC3 | 195 SCOTT SWAMP ROAD, SUITE 201 FARMINGTON, CT 06032 | ARKANSAS BLUE CROSS AND BLUE SHIELD | $32K | $0 | $32K | 2.50% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | $14K | $73K | 17.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 2.14% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 2.10% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $95 | $3K | 0.62% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $95 | $95 | 0.02% |
| VANBRIDGE LLC3 | 210 HUDSON STREET, SUITE 601 JERSEY CITY, NJ 07311 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.57% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | UNITEDHEALTHCARE INSURANCE COMPANY | $516 | $0 | $516 | 0.15% |
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 | 470 | 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) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 390 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,105 | $403K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,105 | $403K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,105 | $419K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,105 | $403K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,105 | $419K |
| Prescription drug(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 390 | $3.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,105 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,105 | — |
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."
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.