| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $35K | — | $35K | 5.95% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP INC | — | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 9.91% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | — | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $8K | $15K | 6.16% |
| GIS BENEFITS INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 4.19% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP INC | 1116 CANNELL COURT SUITE 4 ROCKTON, IL 61072 | ALLSTATE | $408 | — | $408 | 4.72% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | ALLSTATE | $137 | — | $137 | 1.58% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP INC | — | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | — |
| GIS BENEFITS INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $834 | $3K | — |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | — |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 317 | $596K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $252K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $243K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $243K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 317 | $596K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 379 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.