| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST COLUMBUS, OH 43212 | AETNA LIFE INSURANCE CO. | $37K | $8K | $45K | 2.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA TWO 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE CO. | $34K | — | $34K | 1.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 1001 LAKESIDE AVE STE 1600 CLEVELAND, OH 44114 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $783 | $3K | 6.45% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $105 | $3K | 5.10% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | STARMOUNT LIFE INSURANCE COMPANY | — | $2K | $2K | 4.89% |
| THE MEEHAN AGENCY LLC3 | 2910 MAGUIRE RD STE 2005 OCOEE, FL 34761 | STARMOUNT LIFE INSURANCE COMPANY | $78 | — | $78 | 0.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | STARMOUNT LIFE INSURANCE COMPANY | $37 | $20 | $57 | 0.11% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 1001 LAKESIDE AVE STE 1600 CLEVELAND, OH 44114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $439 | $2K | 5.48% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $343 | $2K | 5.18% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 4.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $334 | $184 | $518 | 1.61% |
| THE MEEHAN AGENCY LLC3 | 2910 MAGUIRE RD STE 2005 OCOEE, FL 34761 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $118 | — | $118 | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 101 N STARCREST DR CLEARWATER, FL 33765 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 93245 NEWTORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.18% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $204 | $1K | 6.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $510 | $510 | 2.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 101 N STARCREST DR CLEARWATER, FL 33765 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 93245 NEWTORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.71% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $973 | $181 | $1K | 5.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | 500 N AKARD STREET SUITE 4300 DALLAS, TX 75201 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $452 | $452 | 2.33% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $4K | — | $4K | 20.84% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM INSURANCE COMPANY | $2K | — | $2K | 10.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM INSURANCE COMPANY | -$37 | -$1 | -$38 | -0.21% |
| THE MEEHAN AGENCY LLC3 | 2910 MAGUIRE RD STE 2005 OCOEE, FL 34761 | UNUM INSURANCE COMPANY | -$55 | — | -$55 | -0.30% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $5K | — | $5K | 31.15% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | PO BOX 9201 AUSTIN, TX 78766 | UNUM INSURANCE COMPANY | $267 | — | $267 | 1.63% |
| THE MEEHAN AGENCY LLC3 | 2910 MAGUIRE RD STE 2005 OCOEE, FL 34761 | UNUM INSURANCE COMPANY | $250 | — | $250 | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 N STARCREST DR CLEARWATER, FL 33765 | UNUM INSURANCE COMPANY | $167 | $8 | $175 | 1.07% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 431 | $2.0M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 218 | $50K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 218 | $50K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $32K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 56 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 44 | $19K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 121 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.