| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $7K | $38K | 16.00% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL LLC | 6720A ROCKLEDGE DRIVE SUITE 400 BETHESDA, ME 20817 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.21% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 10.69% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.01% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVENUE #400 TOWSON, MD 21286 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.28% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $368 | $7K | 11.12% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.61% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.01% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $213 | $5K | 13.74% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.64% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.01% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 27.92% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL LLC | 6720A ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $134 | $2K | 7.28% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $625 | $2K | 6.44% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 4.59% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| THE CAPITAL GROUP LLC3 | 6903 ROCKLEDGE DRIVE SUITE 950 BETHESDA, MD 20817 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $141 | $7K | 31.29% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 11.51% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.01% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $787 | $13K | 72.05% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL LLC | 6720A ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $82 | $4K | 19.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $824 | $336 | $1K | 6.39% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $824 | $824 | 4.54% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $683 | $8K | 75.17% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL LLC | 6720A ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $59 | $2K | 19.78% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $466 | $192 | $658 | 6.46% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $466 | $466 | 4.58% |
| CAPITOL BENEFITS, LLC3 Filed as: THE CAPITOL GROUP | — | LEGAL RESOURCES | $347 | — | $347 | 5.12% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 526 | $236K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 239 | $32K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $95K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $60K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $34K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.