| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $9K | $48K | 6.11% |
| GERARD KENNEY3 | 105 CHURCH ST GUILFORD, CT 06437 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | — | $31K | 3.96% |
| AIT SERVICES LLC3 | 840 LAKE ST E #2 WAYZATA, MN 55391 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23K | $23K | 2.97% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $635 | $13K | 32.57% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $364 | $3K | 7.37% |
| AIT SERVICES LLC3 | 840 LAKE ST E #2 WAYZATA, MN 55391 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.98% |
| GERARD KENNEY3 | 105 CHURCH ST GUILFORD, CT 06437 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.76% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $513 | $11K | 35.01% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $293 | $4K | 12.40% |
| GERARD KENNEY3 | 105 CHURCH ST GUILFORD, CT 06437 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.92% |
| AIT SERVICES LLC3 | 840 LAKE ST E #2 WAYZATA, MN 55391 | METROPOLITAN LIFE INSURANCE COMPANY | — | $952 | $952 | 2.97% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $309 | $7K | 34.22% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $172 | $2K | 11.90% |
| GERARD KENNEY3 | 105 CHURCH ST GUILFORD, CT 06437 | METROPOLITAN LIFE INSURANCE COMPANY | $950 | — | $950 | 4.73% |
| AIT SERVICES LLC3 | 840 LAKE ST E #2 WAYZATA, MN 55391 | METROPOLITAN LIFE INSURANCE COMPANY | — | $593 | $593 | 2.95% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $32K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 624 | $783K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 624 | $783K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 624 | $783K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 624 | $783K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 179 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 624 | — |
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.