| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $17K | 24.52% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.16% |
| THE VOIGHT GROUP, INC.3 | 1055 UNIVERSITY AVE. DUBUQUE, IA 52001 | EQUITABLE | $7K | — | $7K | 10.01% |
| GIS BENEFITS INC3 Filed as: GIS | — | EQUITABLE | $4K | — | $4K | 5.96% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201, BLDG I, SUITE 100 AUSTIN, TX 78766 | EQUITABLE | — | $3K | $3K | 4.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201, BLDG I, SUITE 100 AUSTIN, TX 78766 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 6.05% |
| GIS BENEFITS INC3 Filed as: GIS OF ILLINOIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.05% |
| GIS BENEFITS INC3 Filed as: GIS COMMUNICATIONS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.90% |
| THE VOGT GROUP3 Filed as: THE VOGT GROUP, INC. | 1055 UNIVERSITY AVE DUBUQUE, IA 52001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $920 | — | $920 | 2.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MULTIBENEFIT SERVICES-EAST EIN 36-4104766 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $165K |
| THE VOGT GROUP INC EIN 81-4787669 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $32K |
| CIGNA EIN 35-1846036 NONE | Claims processing; Other services Service code 12 | — | $23K |
| STAR MARKETING AND ADMIN., INC. EIN 36-3403079 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | $12K |
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 | 157 | 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) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE | 270 | $65K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 304 | $71K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 304 | $136K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 304 | $71K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 304 | $71K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 304 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.