| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $11K | $38K | 8.96% |
| JAMES UNLAND & COMPANY, INC3 Filed as: JAMES UNLAND & COMPANY INC | 2211 BROADWAY STREET PEKIN, IL 61554 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $3K | $35K | 8.36% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $27K | $27K | 6.47% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 4635 SOUTHWEST FWY, SUITE 750 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.65% |
| JAMES UNLAND & COMPANY, INC3 Filed as: JAMES UNLAND & COMPANY INC | 2211 BROADWAY STREET PEKIN, IL 61554 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 10.48% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $6K | $21K | 8.32% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DRIVE SUITE FORT WASHINGTON, PA 19034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 3.89% |
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE TPA | 475 FALLBROOK BOULEVARD LINCOLN, NE 68521 | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 8.14% |
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 | 406 | 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) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,542 | $425K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 772 | $49K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,542 | $672K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 654 | $247K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,542 | $672K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,542 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.