| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $3K | $19K | 18.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.20% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 604502115 | METROPOLITAN LIFE INSURANCE COMPANY | — | $912 | $912 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO. | PO BOX 70 WEST POINT, GA 318330070 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | MONY LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 11.39% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | MONY LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 9.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHSCOPE BENEFITS, INC. NONE | Claims processing Service code 12 | 27 CORPORATE HILL DRIVE LITTLE ROCK, AR 72205 | $88K |
| MARSH & MCLENNAN AGENCY LLC NONE | Insurance agents and brokers Service code 22 | 200 BROOKSTONE CENTRE PARKWAY COLUMBUS, GA 31904 | $53K |
| PRIVATE HEALTHCARE SYSTEMS EIN 13-3068979 NONE | Contract Administrator Service code 13 | — | $7K |
| TIMBER RIDGE NONE | Consulting (general) Service code 16 | 4920 ATLANTA HWY STE 401 ALPHARETTA, GA 30004 | $7K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 NONE | Contract Administrator Service code 13 | — | $6K |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $102K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $102K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 133 | $63K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 133 | $63K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 133 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.