| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEOFFREY B FINGER3 | 37 W. BROAD ST 7TH FL COLUMBUS, OH 43215 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $87K | $2K | $89K | 4.08% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 221 S CHURCH ST BOWLING GREEN, OH 43402 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | — | $49K | 12.81% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $16 | $20K | 5.27% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $20K | $20K | 5.27% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.49% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 221 S CHURCH ST BOWLING GREEN, OH 43402 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 18.55% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $16 | $1K | 4.70% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 4.64% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $843 | $843 | 3.34% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 221 CHURCH ST BOWLING GREEN, OH 43402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $625 | $625 | 2.48% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 221 S CHURCH ST BOWLING GREEN, OH 43402 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 50.33% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $16 | $1K | 5.52% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 5.45% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $416 | $416 | 1.89% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INS INC | 221 S CHURCH ST BOWLING GREEN, OH 43402 | METROPLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 17.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPLITAN LIFE INSURANCE COMPANY | $898 | $16 | $914 | 4.58% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPLITAN LIFE INSURANCE COMPANY | — | $898 | $898 | 4.50% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPLITAN LIFE INSURANCE COMPANY | — | $598 | $598 | 2.99% |
| GREG A GOULD3 Filed as: GREG GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $19 | — | $19 | 1.92% |
| KRAIG SEXTON3 | 9864 E GRAND RIVER AVE STE 110 #292 BRIGHTON, MI 48116 | AFLAC | $17 | — | $17 | 1.71% |
| MARK A RAYMER3 Filed as: MARK RAYMER | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $13 | — | $13 | 1.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $10 | — | $10 | 1.01% |
| NANCY ANN CLEMENTS3 Filed as: NANCY CLEMENTS | 625 E BIG BEAVER RD STE 103 TROY, MI 48083 | AFLAC | $7 | — | $7 | 0.71% |
| HUNTINGTON INSURANCE INC3 | 37 W BROAD ST STE 1100 COLUMBUS, OH 43215 | AFLAC | $5 | — | $5 | 0.50% |
| ALAN BERGMANN3 | 2144 MADERO DR THE VILLAGES, FL 32159 | AFLAC | $5 | — | $5 | 0.50% |
| ADAM H. HONRATH3 Filed as: ADAM HONRATH | 128 BUTTERCUP CT WHITEHOUSE STATION, NJ 08889 | AFLAC | $3 | — | $3 | 0.30% |
| JENNIFER TENCH3 | 1299 LOCUST HILL RD AYLETT, VA 23009 | AFLAC | $3 | — | $3 | 0.30% |
| KEVIN J NIEDERAUER3 Filed as: KEVIN NIEDERAUER | 150 ALLEN RD STE 110 BASKING RIDGE, NJ 07920 | AFLAC | $3 | — | $3 | 0.30% |
| GENIA ANNE TENCH3 Filed as: GENIA TENCH | 804 MOOREFIELD PARK DR STE 108 RICHMOND, VA 23236 | AFLAC | $3 | — | $3 | 0.30% |
| AG AND ASSOCIATES3 | 6155 GRAEBEAR TRL EAST LANSING, MI 48823 | AFLAC | $2 | — | $2 | 0.20% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $1 | — | $1 | 0.10% |
| DAVID MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $1 | — | $1 | 0.10% |
| PHYLLIS DAWN HESLEP3 Filed as: PHYLLIS HESLEP | 4805 LAKE BROOK DR STE 220 GLEN ALLEN, VA 23060 | AFLAC | $1 | — | $1 | 0.10% |
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 | 1,073 | 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) | 1,073 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 500 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,073 | $382K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,073 | $382K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,073 | $382K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,073 | $382K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,073 | $382K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 500 | $2.2M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,073 | $450K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,073 | — |
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.