| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $119K | $47K | $166K | 6.26% |
| GERARD KENNEY3 | 105 CHURCH ST GUILFORD, CT 06437 | METROPOLITAN LIFE INSURANCE COMPANY | $95K | $14K | $109K | 4.12% |
| AIT SERVICES LLC3 | 10405 6TH AVE N STE 100A PLYMOUTH, MN 55441 | METROPOLITAN LIFE INSURANCE COMPANY | — | $71K | $71K | 2.69% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $1K | $38K | 32.67% |
| GERARD KENNEY3 | 105 CHURCH ST GUILFORD, CT 06437 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $2K | $18K | 15.49% |
| AIT SERVICES LLC3 | 10405 6TH AVE N STE 100A PLYMOUTH, MN 55441 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.72% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $49K | $657 | $49K | 45.10% |
| GERARD KENNEY3 | 105 CHURCH ST GUILFORD, CT 06437 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $2K | $23K | 21.08% |
| AIT SERVICES LLC3 | 10405 6TH AVE N STE 100A PLYMOUTH, MN 55441 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.72% |
| GUILFORD INSURANCE AGENCY3 | 115 STATE ST GUILFORD, CT 06473 | METLIFE LEGAL PLANS | $7K | — | $7K | 9.57% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $496 | $31K | 45.34% |
| GERARD KENNEY3 | 105 CHURCH ST GUILFORD, CT 06437 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $2K | $15K | 22.33% |
| AIT SERVICES LLC3 | 10405 6TH AVE N STE 100A PLYMOUTH, MN 55441 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.73% |
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 | 2,697 | 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) | 2,697 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,697 | $2.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,697 | $2.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,697 | $2.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,697 | $2.7M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 662 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,697 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.