| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE JAMESTOWN, ND 584015956 | HEALTH PARTNERS INSURANCE COMPANY | — | $34K | $34K | 1.99% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 9.57% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $8K | 5.74% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 4.79% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 20.60% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $251 | $2K | 6.18% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 5.15% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.86% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $231 | $1K | 5.92% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 4.93% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 20.08% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $910 | $182 | $1K | 6.02% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $910 | $910 | 5.02% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 19.82% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $820 | $164 | $984 | 5.95% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $820 | $820 | 4.96% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE JAMESTOWN, ND 584015956 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $2K | — | $2K | 15.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | — | $502 | $502 | 4.00% |
| FARMERS UNION SERVICE ASSOCIATION | 1415 12TH AVE SE JAMESTOWN, ND 584015956 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $2K | — | $2K | 15.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | — | $413 | $413 | 4.01% |
| FARMERS UNION SERVICE ASSOCIATION3 | 1415 12TH AVE SE PO BOX 2020 JAMESTOWN, ND 584015956 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | $1K | — | $1K | 15.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | — | $352 | $352 | 3.99% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HEALTH PARTNERS INSURANCE COMPANY | 336 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $131K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 340 | $23K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 144 | $9K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 132 | $10K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE CO OF AMERICA | 125 | $13K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 174 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.