| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60532 | AETNA LIFE INSURANCE CO | $26K | — | $26K | 4.76% |
| AXION RMS LTD3 | 2443 WARRENVILLE RD SUITE 610 LISLE, IL 60543 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 18.94% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $388 | $3K | 6.00% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR. ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $300 | — | $300 | 0.72% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT | PO BOX 9201 AUSTON, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $104 | $104 | 0.25% |
| PAUL MARDOIAN3 | 600 ECHO LN GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $46 | — | $46 | 0.11% |
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 | 125 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 145 | $596K |
| Dental | AETNA LIFE INSURANCE CO | 145 | $554K |
| Vision | AETNA LIFE INSURANCE CO | 145 | $554K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $42K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $42K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $42K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.