| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | — | $16K | $16K | 9.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: HOWALT MCDOWELL INSURANCE | PO BOX 5113 SIOUX FALLS, SD 571175113 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $4K | $11K | 6.22% |
| GIS BENEFITS INC DBA BOON CHAPMAN3 | 9401 AMBERGLEN BLV BLDG 1 STE AUSTIN, TX 787290006 | PRINCIPAL LIFE INSURANCE COMPANY | — | $446 | $446 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 | 10320 ORLANDO PKWY ORLAND PARK, IL 604675658 | PRINCIPAL LIFE INSURANCE COMPANY | — | $28 | $28 | 0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE 6TH FL SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 11.39% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 78766 | STANDARD INSURANCE COMPANY | — | $715 | $715 | 1.77% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $715 | — | $715 | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $594 | — | $594 | 1.47% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 N CHERAPA PLACE 6TH FL SIOUX FALLS, SD 57103 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 19.44% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $508 | — | $508 | 1.53% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 78766 | STANDARD INSURANCE COMPANY | — | $508 | $508 | 1.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | STANDARD INSURANCE COMPANY | $418 | — | $418 | 1.26% |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AVERA HEALTH PLANS, INC | 183 | $2.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 372 | $178K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 372 | $178K |
| Life insurance | STANDARD INSURANCE COMPANY | 372 | $40K |
| Prescription drug | AVERA HEALTH PLANS, INC | 183 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.