| 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 | — | $101K | $101K | 4.43% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $5K | $20K | 19.79% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD STE 300 SAINT LOUIS, MO 63146 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.02% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 11975 WESTLINE INDUSTRIAL DR SAINT LOUIS, MO 63146 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.97% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 6.15% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $832 | $832 | 5.01% |
| 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 | 6.92% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $816 | $816 | 5.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MISSOURI LLC | 12645 OLIVE BLVD STE 300 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 | — | $885 | $885 | 7.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9309 AUSTIN, TX 78766 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $633 | $633 | 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 | 13.97% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $731 | $731 | 6.04% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | — | $606 | $606 | 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 | 344 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 344 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $103K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 235 | $103K |
| Life insurance(2 contracts) | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $29K |
| Short-term disability | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | 49 | $17K |
| Long-term disability | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | 32 | $12K |
| Other(3 contracts) | THE LINCLOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.