| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TUTTLE JR, JOHN3 | 632 GRAND STREET SUITE 302 HOBOKEN, NJ 07030 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $33K | — | $33K | 5.89% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | -$5 | — | -$5 | -0.00% |
| HIGHPOINT BENEFITS GROUP3 | 632 GRAND STREET SUITE 302 HOBOKEN, NJ 07030 | METLIFE | $2K | — | $2K | 9.99% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVENUE SUITE 200 ST. PETERSBURG, FL 33702 | METLIFE | $1K | — | $1K | 5.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BUILDING I, SUITE 100 AUSTIN, TX 78766 | METLIFE | — | $703 | $703 | 3.32% |
| HIGHPOINT BENEFITS GROUP3 | 632 GRAND STREET SUITE 302 HOBOKEN, NJ 07030 | EQUITABLE | $1K | — | $1K | 15.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BUILDING I, SUITE 100 AUSTIN, TX 78766 | EQUITABLE | — | $367 | $367 | 4.00% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 87 | $559K |
| Dental | METLIFE | 46 | $21K |
| Vision | METLIFE | 46 | $21K |
| Life insurance | EQUITABLE | 136 | $9K |
| Other | EQUITABLE | 136 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.