| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS LLC | 442 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 6.12% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL LLC | 6720A ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 5.30% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.34% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IA 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 6.27% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MA 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 4.06% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $872 | $808 | $2K | 1.88% |
| THE CAPITAL GROUP LLC3 | 620B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $489 | $489 | 0.55% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 11.68% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 6.54% |
| EBSME LLC3 Filed as: EBSME | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 5.17% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $704 | $2K | 2.15% |
| THE CAPITAL GROUP LLC3 | 6720 ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $444 | $444 | 0.56% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MA 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.76% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.61% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $3K | 4.26% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $676 | $626 | $1K | 1.98% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $383 | $383 | 0.58% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.76% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.61% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $731 | $677 | $1K | 4.28% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $334 | $310 | $644 | 1.96% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $191 | $191 | 0.58% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $53 | $53 | 15.73% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $14 | $14 | 4.15% |
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 | 318 | 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) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 502 | $239K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 502 | $239K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 318 | $33K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 311 | $66K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 311 | $89K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 318 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.