| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | ONE STATE STREET PLAZA NEW YORK, NY 10004 | UNITED HEALTHCARE INSURANCE COMPANY HARTFORD CT | $168K | — | $168K | 11.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3333 PIEDMONT ROAD, SUITE 1400 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $2K | $51K | 7.54% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $5K | $27K | 4.04% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $4K | $20K | 2.87% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $260 | $260 | 0.04% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 4.91% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3333 PIEDMONT ROAD, SUITE 1400 ATLANTA, GA 30305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.27% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $842 | — | $842 | 0.36% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3333 PIEDMONT ROAD, SUITE 1400 ATLANTA, GA 30305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 14.99% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $9K | $9K | 4.99% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3333 PIEDMONT ROAD, SUITE 1400 ATLANTA, GA 30305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | — | $25K | 16.13% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 5.24% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $677 | — | $677 | 0.43% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $833 | $12K | 13.92% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.55% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3333 PIEDMONT ROAD, SUITE 1400 ATLANTA, GA 30305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.16% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.99% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $266 | — | $266 | 0.35% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3333 PIEDMONT ROAD, SUITE 1400 ATLANTA, GA 30305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 14.84% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $796 | $796 | 4.66% |
| BOON CHAPMAN BNFT ADMNSTRS INC | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $346 | $346 | 2.03% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3333 PIEDMONT ROAD, SUITE 1400 ATLANTA, GA 30305 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.95% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $513 | $513 | 7.28% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $144 | $144 | 2.04% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39 | — | $39 | 0.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $2.4M |
| RXBENEFITS, INC. EIN 63-1157085 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $14K |
| INTEGRO USA, INC EIN 20-2600995 BROKER | Other commissions Service code 55 | — | $0 |
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 | 909 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,614 | $679K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,614 | $679K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,173 | $265K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,156 | $238K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,173 | $158K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY HARTFORD CT | 927 | $1.5M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,173 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,614 | — |
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.
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.