| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $230 | $13K | 20.08% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.66% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 12.59% |
| ANDREA L SWEETER3 | 46872 283RD ST LENNOX, SD 57039 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.26% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $750 | $0 | $750 | 1.62% |
| CHRIS A GUSTAFSON3 Filed as: CHRIS ALAN GUSTAFSON | 108 CHICORY BRANDON, SD 57005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $244 | $0 | $244 | 0.53% |
| AWS INC3 Filed as: AWS, INC | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | CONTINENTAL AMERICAN INSURANCE COMPANY | $144 | $0 | $144 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $233 | $7K | 21.58% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.66% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $159 | $3K | 15.49% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.33% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $115 | $3K | 20.42% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 6.36% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $809 | $809 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 57117 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $433 | $2K | 12.70% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 11.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $528 | $528 | 3.30% |
| GIS BENEFITS INC DBA BOON CHAPMAN3 | 9401 AMBERGLEN BLVD BLDG 1 STE AUSTIN, TX 78729 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | -$2 | -$2 | -0.01% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 119 | $63K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 219 | $16K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $32K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $16K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 129 | $23K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 130 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.