| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 5.80% |
| THE VOGT GROUP3 Filed as: THE VOGT GROUP, INC. | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| THE VOGT GROUP3 Filed as: THE VOGT GROUP, INC. | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.30% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $490 | $2K | 4.79% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $651 | — | $651 | 1.70% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.40% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $314 | $314 | 1.29% |
| THE VOGT GROUP3 Filed as: THE VOGT GROUP, INC. | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $525 | $154 | $679 | 4.58% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $148 | — | $148 | 1.00% |
| THE VOGT GROUP3 Filed as: THE VOGT GROUP, INC. | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $349 | $204 | $553 | 4.72% |
| THE VOGT GROUP3 Filed as: THE VOGT GROUP, INC. | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $982 | — | $982 | 9.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $384 | $143 | $527 | 4.83% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $109 | — | $109 | 1.00% |
| MARK METTILLE3 | C/O GROUP INSURANCE SVCS INC 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $883 | — | $883 | 15.49% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | 9401 AMBERGLEN BLVD BLDG 1 SUITE 100 AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $285 | — | $285 | 5.00% |
| THE VOGT GROUP3 Filed as: THE VOGT GROUP, INC. | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $256 | — | $256 | 4.49% |
| THE VOGT GROUP3 Filed as: THE VOGT GROUP, INC. | 1750 CREEK WOOD DRIVE DUBUQUE, IA 52003 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $810 | — | $810 | 15.31% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $171 | $88 | $259 | 4.89% |
| GROUP SOLUTIONS LLC3 | 16703 RIVER ROAD NORTH BRANCH, MN 55056 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $90 | — | $90 | 1.70% |
| GIS BENEFITS INC3 Filed as: GIS OF ILLINOIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | METLIFE | $802 | — | $802 | 18.25% |
| THE VOGT GROUP3 Filed as: THE VOGT GROUP, INC. | 1055 UNIVERSITY AVE. DUBUQUE, IA 52001 | METLIFE | $440 | — | $440 | 10.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG I, SUITE 100 AUSTIN, TX 78766 | METLIFE | — | $220 | $220 | 5.01% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 284 | $94K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 284 | $24K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $38K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $40K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $12K |
| Other(7 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.