| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP INC. | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | $0 | $55K | 4.00% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP INC. | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | -$17 | $12K | 10.55% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 6.70% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMAN BENEFIT ADMINISTATORS | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 6.65% |
| 1 TO 1 ENROLLMENT LLC3 | 163 MITCHELLS CHANCE ROAD SUITE 260 EDGEWATER, MD 21037 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 24.86% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP INC. | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | TRANSAMERICA LIFE INSURANCE COMPANY | $782 | $0 | $782 | 2.92% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $444 | $0 | $444 | 1.66% |
| EMPLOYEE FAMILY PROTECTION INC3 Filed as: EMPLOYEE FAMILY PROTECTION, INC. | PO BOX 1237 GLASTONBURY, CT 06033 | TRANSAMERICA LIFE INSURANCE COMPANY | $209 | $0 | $209 | 0.78% |
| MARCUS S. METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $28 | $0 | $28 | 0.10% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONEE STREET MORRIS, IL 60450 | AMERITAS LIFE INSURANCE CORP. | $0 | $691 | $691 | 3.73% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $117K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 6 | $19K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $144K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 311 | $1.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 386 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.