| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | BLUECROSS BLUESHIELD OF TEXAS | $27K | — | $27K | 3.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $53 | $10K | 14.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $695 | $4K | 5.62% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 N. 19TH ST. STE 150 TAMPA, FL 33605 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $844 | $844 | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD. STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $70 | $70 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $53 | $2K | 20.90% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $390 | $78 | $468 | 5.32% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 N. 19TH ST. STE 150 TAMPA, FL 33605 | METROPOLITAN LIFE INSURANCE COMPANY | — | $240 | $240 | 2.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $94 | $94 | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD. STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8 | $8 | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $53 | $2K | 20.21% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $327 | $66 | $393 | 5.09% |
| ENROLLMENT ALLIANCE LLC3 Filed as: ENROLLMENT ALLIANCE | 1302 N. 19TH ST. STE 150 TAMPA, FL 33605 | METROPOLITAN LIFE INSURANCE COMPANY | — | $206 | $206 | 2.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $80 | $80 | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD. STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.08% |
| NOT PROVIDED3 Filed as: NOT LISTED | — | FLEXCARE DIGITAL HEALTH | $860 | — | $860 | 20.00% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 116 | $717K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 114 | $74K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 114 | $74K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 114 | $74K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 114 | $74K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 114 | $74K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 114 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.