| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GERARD KENNEY3 Filed as: GERARD E KENNEY | 115 STATE ST GUILFORD, CT 06437 | UNITEDHEALTHCARE INSURANCE COMPANY | $441K | — | $441K | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE STE S229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $85K | — | $85K | 0.77% |
| GERARD KENNEY3 Filed as: GERARD E KENNEY | 115 STATE STREET GUILFORD, CT 06473 | METLIFE | $257K | — | $257K | 12.04% |
| GIS BENEFITS INC3 Filed as: GIS OF ILLINOIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | METLIFE | $86K | — | $86K | 4.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BLDG 1 SUITE 100 AUSTIN, TX 78766 | METLIFE | — | $78K | $78K | 3.64% |
| GIS BENEFITS INC3 Filed as: GIS OF ILLINOIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | METLIFE LEGAL PLANS | $5K | — | $5K | 8.74% |
| GERARD KENNEY3 Filed as: GERARD E KENNEY | 115 STATE STREET GUILFORD, CT 06473 | METLIFE LEGAL PLANS | $5K | — | $5K | 7.93% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BLDG 1, SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | — | $2K | $2K | 4.07% |
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 | 813 | 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) | 813 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,765 | $11.0M |
| Dental | METLIFE | 813 | $2.1M |
| Vision | METLIFE | 813 | $2.1M |
| Short-term disability | METLIFE | 813 | $2.1M |
| Long-term disability | METLIFE | 813 | $2.1M |
| Other | METLIFE LEGAL PLANS | 248 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,765 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.