| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 300 CORPORATE CENTER DRIVE SUITE 303 CAMP HILL, PA 17011 | GUARDIAN LIFE INSURANCE COMPANY | $67K | $10K | $77K | 19.74% |
| MARKS S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | GUARDIAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 5.00% |
| GIS NATIONAL3 Filed as: GIS OF MIDATLANTIC | 1414 KEY HIGHWAY, SUITE 300M BALTIMORE, MD 21230 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 18.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | PO BOX 203508 DALLAS, TX 75320 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 10.02% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFITS ADMIN INC | PO BOX 9201, BUILDING 1 SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $544 | $544 | 5.01% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 266 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 146 | $390K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 146 | $390K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 146 | $390K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 146 | $390K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 146 | $390K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 266 | $1.4M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 146 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
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.