| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL DR SAINT LOUIS, MO 63146 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $97K | $97K | 4.30% |
| ASSUREDPARTNERS5 Filed as: ASSURED PARTNERS OF MISSOURI LLC | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $4K | $21K | 18.35% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL DR SAINT LOUIS, MO 63146 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16 | $16 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL DR SAINT LOUIS, MO 63146 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 16.06% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.36% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $897 | $897 | 5.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL DR SAINT LOUIS, MO 63146 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.64% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $893 | $893 | 6.49% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $690 | $690 | 5.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL DR SAINT LOUIS, MO 63146 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 16.04% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.45% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $698 | $698 | 5.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL DR SAINT LOUIS, MO 63146 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 13.58% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $617 | $617 | 6.34% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $488 | $488 | 5.02% |
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 | 246 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 246 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $115K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $115K |
| Life insurance(2 contracts) | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $31K |
| Short-term disability | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | 41 | $14K |
| Long-term disability | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | 25 | $10K |
| Other(3 contracts) | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | 200 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.