| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $68K | $18K | $86K | 7.22% |
| GERARD KENNEY3 | 105 CHURCH ST GUILFORD, CT 06437 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | — | $55K | 4.56% |
| AIT SERVICES LLC3 | 840 LAKE ST E #2 WAYZATA, MN 55391 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41K | $41K | 3.42% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $13K | 22.80% |
| GERARD KENNEY3 | 105 CHURCH ST GUILFORD, CT 06437 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 8.08% |
| AIT SERVICES LLC3 | 840 LAKE ST E #2 WAYZATA, MN 55391 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.20% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 28.62% |
| GERARD KENNEY3 | 105 CHURCH ST GUILFORD, CT 06437 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 10.07% |
| AIT SERVICES LLC3 | 840 LAKE ST E #2 WAYZATA, MN 55391 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 3.29% |
| GUILFORD INSURANCE AGENCY3 | 105 CHURCH ST APT 1 GUILFORD, CT 06473 | METLIFE LEGAL PLANS | $2K | — | $2K | 6.16% |
| GUILFORD INSURANCE AGENCY3 | 115 STATE ST GUILFORD, CT 06473 | METLIFE LEGAL PLANS | $1K | — | $1K | 4.02% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $8K | 26.93% |
| GERARD KENNEY3 | 105 CHURCH ST GUILFORD, CT 06437 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 9.32% |
| AIT SERVICES LLC3 | 840 LAKE ST E #2 WAYZATA, MN 55391 | METROPOLITAN LIFE INSURANCE COMPANY | — | $938 | $938 | 3.26% |
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 | 547 | 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) | 547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $1.2M |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.