| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALPHONSE A MASELLA, JR3 | 919 KILDAIRE FARM ROAD CARY, NC 27511 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $87K | — | $87K | 2.65% |
| INSPRO INC3 Filed as: INSPRO PROFESSIONALS OF NC INC | 919 KILDAIRE FARM ROAD CARY, NC 275113935 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | — | $33K | 6.93% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $3K | $18K | 3.72% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 3.09% |
| INSURANCE PROFESSIONALS INC3 | 919 KILDAIRE FARM ROAD CARY, NC 275113935 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.65% |
| INSPRO INC3 Filed as: INSPRO PROFESSIONALS NC INC | 919 KILDAIRE FARM ROAD CARY, NC 275113935 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 19.75% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $319 | $2K | 6.49% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 5.40% |
| INSURANCE PROFESSIONALS INC3 | 919 KILDAIRE FARM ROAD CARY, NC 275113935 | METROPOLITAN LIFE INSURANCE COMPANY | $550 | — | $550 | 1.87% |
| INSPRO INC3 Filed as: INSPRO PROFESSIONALS OF NC INC | 919 KILDAIRE FARM ROAD CARY, NC 275113935 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 19.72% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $757 | $151 | $908 | 6.58% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $757 | $757 | 5.49% |
| INSURANCE PROFESSIONALS INC3 | 919 KILDAIRE FARM ROAD CARY, NC 275113935 | METROPOLITAN LIFE INSURANCE COMPANY | $309 | — | $309 | 2.24% |
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 | 501 | 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) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 622 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,070 | $479K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,070 | $479K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,070 | $479K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,070 | $479K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,070 | $479K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 622 | $3.3M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,070 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,070 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.