| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEOFFREY B FINGER3 | 37 W BROAD ST 7TH FL COLUMBUS, OH 43215 | BLUE CARE NETWORK OF MICHIGAN | $27K | $880 | $28K | 3.75% |
| GEOFFREY B FINGER3 | 37 W BROAD ST 7TH FL COLUMBUS, OH 43215 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | $404 | $18K | 4.24% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC | 221 S CHURCH ST BOWLING GREEN, OH 43402 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.87% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FL COLUMBUS, OH 43215 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 17.20% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 78766 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 5.03% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.03% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 17.30% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 78755 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST 5TH FLOOR BOWLING GREEN, OH 43402 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $255 | $2K | 22.52% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC | PO BOX 9201 AUSTIN, TX 78766 | STARMOUNT LIFE INSURANCE COMPANY | — | $996 | $996 | 11.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $497 | $459 | $956 | 10.67% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST 7TH FLOOR COLUMBUS, OH 43215 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 17.29% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 78766 | STANDARD INSURANCE COMPANY | — | $443 | $443 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $443 | — | $443 | 5.00% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 115 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 213 | $88K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 106 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 113 | $32K |
| Short-term disability | STANDARD INSURANCE COMPANY | 118 | $27K |
| Long-term disability | STANDARD INSURANCE COMPANY | 27 | $9K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 115 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.