| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MACCARTEE MEDICAL MANAGEMENT INC3 Filed as: MACCARTEE MEDICAL MGMT, INC. | 7101 WISCONSIN AVENUE # 1200 BETHESA, MD 20814 | BLUECHOICE HEALTHPLAN OF SOUTH CAROLINA | $24K | — | $24K | 4.03% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $4K | $21K | 21.54% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.37% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $442 | $6K | 26.48% |
| FINANCIAL BENEFITS CONSULTING, LLC3 Filed as: FINANCIAL BENEFITS CONSULTING LLC | 7101 WISCONSIN AVENUE SUITE 1200 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.74% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $311 | $2K | 6.82% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTING, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 5.48% |
| MACCARTEE MEDICAL MANAGEMENT INC3 | 7101 WISCONSIN AVENUE SUITE 1200 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $31 | — | $31 | 0.13% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2 | $3K | 23.20% |
| FINANCIAL BENEFITS CONSULTING, LLC3 Filed as: FINANCIAL BENEFITS CONSULTING LLC | 7101 WISCONSIN AVENUE SUITE 1200 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.28% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $636 | $140 | $776 | 5.66% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $636 | $636 | 4.64% |
| MACCARTEE MEDICAL MANAGEMENT INC3 | 7101 WISCONSIN AVENUE SUITE 1200 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $32 | — | $32 | 0.23% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $226 | $3K | 25.78% |
| FINANCIAL BENEFITS CONSULTING, LLC3 Filed as: FINANCIAL BENEFITS CONSULTING LLC | 7101 WISCONSIN AVENUE SUITE 1200 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 9.43% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $675 | $163 | $838 | 6.63% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $675 | $675 | 5.34% |
| MACCARTEE MEDICAL MANAGEMENT INC3 | 7101 WISCONSIN AVENUE SUITE 1200 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $39 | — | $39 | 0.31% |
| MACCARTEE MEDICAL MANAGEMENT INC3 | 7101 WISCONSIN AVENUE SUITE 1200 BETHESDA, MD 20814 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $994 | — | $994 | 12.50% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECHOICE HEALTHPLAN OF SOUTH CAROLINA | 38 | $595K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $96K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $96K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $96K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $96K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $96K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
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.