| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD STE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $43K | $43K | 5.95% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP INC | 1116 CANNELL CT ROCKTON, IL 610721551 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $0 | $45K | 13.03% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $5K | $23K | 6.71% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18K | $18K | 5.12% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP INC | 1116 CANNELL CT ROCKTON, IL 610721551 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.23% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $583 | $198 | $781 | 2.42% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $583 | $583 | 1.81% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP INC | 1116 CANNELL CT ROCKTON, IL 610721551 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 30.14% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $324 | $2K | 9.60% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.54% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP INC | 1116 CANNELL CT SUITE 4 ROCKFORD, IL 61108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $124 | $0 | $124 | 3.67% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | $0 | $60 | 1.78% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP INC | 1116 CANNELL COURT STE 4 ROCKTON, IL 61072 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | $0 | $109 | 6.80% |
| FIRST BENEFITS PLANNING SVC INC3 | 6833 STALTER DR STE 200 ROCKFORD, IL 61108 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 1.50% |
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 | 366 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 376 | $723K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 710 | $342K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 710 | $347K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 710 | $346K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 710 | $342K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 376 | $723K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 710 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 710 | — |
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.