| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | 528 4TH AVENUE NW GRAND RAPIDS, MI 49504 | CLAIM CHOICE ADMINISTRATORS LLC | — | — | $0 | 0.00% |
| LOXLEY GROUP, LLC3 Filed as: LOXLEY GROUP LLC | 460 ADA DR STE 222 ADA, MI 49301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.20% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $523 | $523 | 6.68% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMNSTRS INC | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $391 | $391 | 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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CLAIM CHOICE ADMINISTRATORS LLC | 125 | $228K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 223 | $8K |
| Prescription drug | CLAIM CHOICE ADMINISTRATORS LLC | 125 | $228K |
| Stop-loss / reinsurancereinsurance | CLAIM CHOICE ADMINISTRATORS LLC | 125 | $228K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 223 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.