| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL FL 3 ALPHARETTA, GA 30009 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.80% |
| AP BENEFIT ADVISORS, LLC3 | 540 GAITHER RD ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL # 3 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 6.70% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $5K | 5.39% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $276 | $3K | 3.27% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMAN BENEFIT ADMIN | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.11% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $573 | $573 | 7.67% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $339 | $85 | $424 | 5.68% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMSTRTS INC | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $373 | $373 | 4.99% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $169 | $132 | $301 | 4.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL # 3 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $333 | — | $333 | 5.63% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $224 | $90 | $314 | 5.31% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMAN BENEFIT ADMIN | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $224 | $224 | 3.79% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $160 | $51 | $211 | 3.57% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL #3 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $574 | — | $574 | 10.50% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS DBA CRAWFORD | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $262 | $49 | $311 | 5.69% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $209 | $84 | $293 | 5.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PL #3 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $556 | — | $556 | 10.52% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 575 E SWEDESFORD RD STE 200 WAYNE, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $268 | $49 | $317 | 6.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $206 | $82 | $288 | 5.45% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $206 | $206 | 3.90% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 74 | $758K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $99K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $99K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $99K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $99K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 206 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.