| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OLLIS AND COMPANY3 Filed as: OLLIS AND COMPANY, INC. | 2274 EAST SUNSHINE STREET SPRINGFIELD, MO 65804 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $4K | $17K | 4.90% |
| CLJM LLC3 Filed as: CLJM, LLC | 8235 FORSYTH BOULEVARD, SUITE 1200 CLAYTON, MO 63105 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 2.88% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 2.71% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $211 | $2K | 0.46% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $340K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $340K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $340K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $340K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $340K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 331 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.