| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | UNKNOWN MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $13K | $13K | 10.15% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE COMPANY | UNKNOWN ALEXANDRIA, VA 22314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $0 | $15K | 12.21% |
| HOME OFFICE TPA PAYS COMMISSION3 | 5900 O STREET LINCOLN, NE 68510 | AMERITAS LIFE INSURANCE CORP. | $9K | $0 | $9K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, NE 60450 | AMERITAS LIFE INSURANCE CORP. | $0 | $3K | $3K | 4.32% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP INC | 4069 CHAIN BRIDGE ROAD FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $646 | $8K | 16.72% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 9.04% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $737 | $2K | 5.23% |
| CAPITAL GROUP BENEFITS LLC3 Filed as: CAPITAL GROUP BENEFITS & FINANCIAL | 7001 HERITAGE VILLAGE PLAZA SUITE 100 GAINSVILLE, VA 20155 | METROPOLITAN LIFE INSURANCE COMPANY | -$339 | $944 | $605 | 1.29% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 21 | $120K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $181K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 123 | $47K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $128K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $128K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $128K |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.