| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA | 3333 PIEDMONT ROAD NE SUITE 1400 ATLANTA, GA 303051811 | METROPOLITAN LIFE INSURANCE COMPANY | $94K | $26 | $94K | 8.76% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA | 2300 CONTRA COSTA BLVD SUITE 375 PLEASANT HILL, CA 945233976 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 0.63% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | RELIASTAR LIFE INSURANCE COMPANY | $73K | — | $73K | 7.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | RELIASTAR LIFE INSURANCE COMPANY | $34K | — | $34K | 3.52% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA | 3333 PIEDMONT ROAD NE SUITE 1400 ATLANTA, GA 303051811 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $26 | $15K | 16.97% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA | 2300 CONTRA COSTA BLVD SUITE 375 PLEASANT HILL, CA 945233976 | METROPOLITAN LIFE INSURANCE COMPANY | — | $551 | $551 | 0.63% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA | 3333 PIEDMONT ROAD NE SUITE 1400 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 21.81% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $410 | $6K | 10.84% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA | 2300 CONTRA COSTA BLVD SUITE 375 PLEASANT HILL, CA 94523 | METROPOLITAN LIFE INSURANCE COMPANY | — | $269 | $269 | 0.50% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA | 3333 PIEDMONT ROAD NE SUITE 1400 ATLANTA, GA 303051811 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $26 | $7K | 16.92% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA | 2300 CONTRA COSTA BLVD SUITE 375 PLEASANT HILL, CA 945233976 | METROPOLITAN LIFE INSURANCE COMPANY | — | $279 | $279 | 0.63% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $3K | $4K | 33.62% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 12.44% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $775 | — | $775 | 5.91% |
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 | 1,010 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,034 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,027 | $1.1M |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 2,027 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,027 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,027 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,027 | $1.1M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 789 | $975K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,027 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,027 | — |
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.