| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GADA INSURANCE SERVICES3 Filed as: GADA SERVICES DBA GADA INS SERVICES | — | AMERICAN FIDELITY ASSURANCE COMPANY | $14K | $0 | $14K | 7.70% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPNAY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $9K | $0 | $9K | 4.62% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $3K | $19K | 18.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.47% |
| GADA INSURANCE SERVICES3 | 2060 POWERS FERRY ROAD SE ATLANTA, GA 30339 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | $0 | $4K | 7.51% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | $0 | $1K | 2.51% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | $0 | $4K | 9.16% |
| GADA INSURANCE SERVICES3 Filed as: GADA SERVICES DBA GADA INS SERVICES | — | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | $0 | $3K | 7.80% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 111 | $230K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $105K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 275 | $105K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 111 | $0 |
| Short-term disability(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 93 | $285K |
| Long-term disability(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 93 | $285K |
| Other(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 111 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.