| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | — | $4K | $4K | 3.97% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 8.35% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.84% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 4.17% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 16.71% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $884 | $354 | $1K | 5.85% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $884 | $884 | 4.18% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 8.43% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $650 | $260 | $910 | 5.91% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $650 | $650 | 4.22% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 16.76% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $541 | $216 | $757 | 5.87% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $541 | $541 | 4.19% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 17.20% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $533 | $213 | $746 | 6.02% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $533 | $533 | 4.30% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | SANFORD HEALTH PLAN | 315 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $89K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 264 | $15K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 148 | $95K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 148 | $95K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 148 | $95K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.