| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 18.37% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $989 | $989 | 1.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEENAN AGENCY LLC | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC5 Filed as: J SMITH LANIER & CO | 300 W 10TH ST WEST POINT, GA 31833 | EQUITABLE | $8K | — | $8K | 15.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 BLDG 1, STE 100 AUSTIN, TX 787669201 | EQUITABLE | — | $2K | $2K | 4.01% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 219 | $862K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $87K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $87K |
| Life insurance | EQUITABLE | 143 | $53K |
| Short-term disability | EQUITABLE | 143 | $53K |
| Long-term disability | EQUITABLE | 143 | $53K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 219 | $862K |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 219 | $862K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.