| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EQUINOX BENEFITS SOLUTIONS LLC3 | 267 KENTLANDS BLVD., SUITE 515 GAITHERSBURG, MD 20878 | UNITED HEALTHCARE INSURANCE COMPANY | — | $98K | $98K | 4.08% |
| EQUINOX BENEFITS SOLUTIONS LLC3 Filed as: EQUINOX BENEFIT SOLUTIONS LLC | 267 KENTLANDS BLVD., SUITE 515 GAITHERSBURG, MD 20878 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $24 | $29K | 14.08% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | 9401 AMBERGLEN BLVD., SUITE 100 AUSTIN, TX 78729 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $11K | $20K | 9.76% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $5K | $20K | 9.46% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | P.O. BOX 901 NAPERVILLE, IL 60566 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.64% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 176 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 436 | $207K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 436 | $207K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 436 | $207K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 436 | $207K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 176 | $2.5M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 436 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.
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.