| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63141 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $96K | $96K | 4.54% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $6K | $33K | 18.34% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63146 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17 | $17 | 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 | 6.80% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $912 | $912 | 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 | — | $2K | 13.82% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.83% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $873 | $873 | 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 | — | $2K | 16.04% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.69% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $774 | $774 | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL DR SAINT LOUIS, MO 63146 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.82% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $694 | $694 | 5.95% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $584 | $584 | 5.01% |
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 | 332 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 332 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $178K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 295 | $178K |
| Life insurance(2 contracts) | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $34K |
| Short-term disability | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $17K |
| Long-term disability | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | 28 | $12K |
| Other(3 contracts) | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | 190 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.
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.