| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYMPL BENEFITS INSURANCE AGENCY3 Filed as: SYMPL BENEFITS INSURANCE AGENCY LLC | 460 ADA DRIVE SE SUITE 222 ADA, MI 49301 | HUMANA INSURANCE COMPANY | $3K | $300 | $3K | 6.91% |
| LOXLEY GROUP, LLC3 | 460 ADA DRIVE SE SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $980 | — | $980 | 3.96% |
| LOXLEY GROUP, LLC3 | 460 ADA DR. SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $889 | — | $889 | 4.08% |
| LOXLEY GROUP, LLC3 | 460 ADA DRIVE SE SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $794 | — | $794 | 4.05% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | 460 ADA DR. SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $657 | $237 | $894 | 13.61% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $267 | $79 | $346 | 5.27% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | 460 ADA DR. SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $637 | $279 | $916 | 14.38% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $348 | $348 | 5.46% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | 460 ADA DR. SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $476 | $164 | $640 | 13.45% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $192 | $55 | $247 | 5.19% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METLIFE LEGAL PLANS | $314 | — | $314 | 16.05% |
| SYMPL BENEFITS INSURANCE AGENCY3 | 460 ADA DRIVE SE SUITE 222 ADA, MI 49301 | METLIFE LEGAL PLANS | $267 | — | $267 | 13.65% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BLDG. 1 STE. 1100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | — | $134 | $134 | 6.85% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | 460 ADA DR. SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $215 | — | $215 | 15.02% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $60 | — | $60 | 4.19% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 65 | $50K |
| Vision | HUMANA INSURANCE COMPANY | 65 | $50K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $25K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 38 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 40 | $20K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 118 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.