| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $26K | $26K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $11K | $11K | 2.11% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $5K | $20K | 6.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 5.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $24 | $24 | 0.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 5.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 2.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $2K | $24K | 27.63% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 5.27% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | UNUM INSURANCE COMPANY | $6K | $0 | $6K | 8.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNUM INSURANCE COMPANY | $5K | $711 | $6K | 8.20% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $2K | $7K | 12.64% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | UNUM INSURANCE COMPANY | $7K | $0 | $7K | 14.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNUM INSURANCE COMPANY | $6K | $548 | $6K | 13.11% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $353 | $4K | 13.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | UNUM INSURANCE COMPANY | $632 | $51 | $683 | 35.12% |
| SPETNER ASSOCIATES INC3 | 8630 DELMAR AVE STE 100 ST LOUIS, MO 63124 | UNUM INSURANCE COMPANY | $341 | $0 | $341 | 17.53% |
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 | 600 | 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) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,190 | $312K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 397 | $58K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 567 | $717K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 477 | $512K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 306 | $275K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 567 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,190 | — |
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.