| 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 | 18.36% |
| 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 | 1.63% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 604502115 | METROPOLITAN LIFE INSURANCE COMPANY | — | $960 | $960 | 1.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & CO. | 11330 LAKEFIELD DR. SUITE 100 JOHNS CREEK, GA 30097 | EQUITABLE | $9K | — | $9K | 14.52% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | EQUITABLE | $3K | — | $3K | 4.83% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | P.O. BOX 9201, BLDG I SUITE 100 AUSTIN, TX 78766 | EQUITABLE | — | $2K | $2K | 4.01% |
| ALLIANCE INSURANCE GROUP LLC3 Filed as: ALLIANCE INSURANCE GROUP | 6730 TAYLOR COURT MONTGOMERY, AL 36117 | EQUITABLE | $279 | — | $279 | 0.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 NONE | Contract Administrator; Other fees Service code 13 | — | $51K |
| J. SMITH LANIER EIN 26-3237576 NONE | Insurance agents and brokers Service code 22 | — | $44K |
| DELPHI OF FLORIDA EIN 01-0580124 NONE | Contract Administrator Service code 13 | — | $8K |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 169 | $299K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $88K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $88K |
| Life insurance | EQUITABLE | 248 | $59K |
| Short-term disability | EQUITABLE | 248 | $59K |
| Long-term disability | EQUITABLE | 248 | $59K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 169 | $299K |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 169 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.