| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SECURE BENEFITS, LLC3 Filed as: SECURE BENEFITS LLC DBA IMPELMAN IN | 9311 SAN PEDRO SUITE 1420 SAN ANTONIO, TX 78216 | AETNA LIFE INSURANCE CO. | $48K | $5K | $53K | 4.54% |
| LARRY GLENN JONES JR3 Filed as: LARRY JONES | 613 NORTHWEST LOOP 410 SUITE 195 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | — | $29K | 17.01% |
| SECURE BENEFITS, LLC3 Filed as: SECURE BENEFITS LLC | 613 NORTHWEST LOOP 410 SUITE 195 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $32 | $13K | 7.74% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | 9401 AMBERGLEN BOULEVARD SUITE 100 AUSTIN, TX 78729 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 4.46% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $165 | $165 | 0.15% |
| SECURE BENEFITS, LLC3 Filed as: SECURE BENEFITS LLC | 613 NORTHWEST LOOP 410 SUITE 195 SAN ANTONIO, TX 78216 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32 | $32 | 0.03% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 181 | $1.5M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 471 | $281K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 471 | $281K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 471 | $281K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 471 | $281K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 471 | $281K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 471 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.