| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS NEW YORK, NY 10001 | AETNA LIFE INSURANCE COMPANY | $136K | — | $136K | 3.06% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | AETNA LIFE INSURANCE COMPANY | $26K | — | $26K | 0.59% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 0.39% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN INC. | PO BOX 9201 AUSTIN, TX 78766 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $8K | $11K | 3.17% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $404 | $4K | 1.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE INC | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE NEW YORK, NY 10118 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.12% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II, SUITE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.75% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B3 | 9401 AMBERGLEN BLVD SUITE 100 AUSTIN, TX 78729 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $702 | $702 | 0.44% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE INC | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | — | $23K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE NE, NY 10118 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 1.29% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II, SUITE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.86% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B3 Filed as: ADMINISTRATORS, INC, BOON-CHAPMAN | 9401 AMBERGLEN BLVD SUITE 100 AUSTIN, TX 78729 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $631 | $631 | 0.41% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST UNUM LIFE INSURANCE COMPANY | $22K | — | $22K | 15.14% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE AGENCY INC | 24 MERKEL DR BLOOMFIELD, NJ 07003 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | $580 | $14K | 9.22% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN INC. | PO BOX 9201 AUSTIN, TX 78766 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 1.26% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY BLDG 2, SUITE 125 AUSTIN, TX 78746 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE NEW YORK, NY 10118 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $541 | $541 | 1.09% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II SUITE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $360 | $360 | 0.73% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B3 | 9401 AMBERGLEN BLVD SUITE 100 AUSTIN, TX 78729 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $204 | $204 | 0.41% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $598 | — | $598 | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE NEW YORK, NY 10118 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $144 | $144 | 1.20% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEX HWY S BLDG II, SUITE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $96 | $96 | 0.80% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $334 | — | $334 | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE NEW YORK, NY 10118 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $77 | $77 | 1.15% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II, SUITE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $51 | $51 | 0.76% |
| ADMINISTRATORS, INC, BOON-CHAPMAN B3 | 9401 AMBERGLEN BLVD SUITE 100 AUSTIN, TX 78729 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $28 | $28 | 0.42% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $329 | — | $329 | 14.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $110 | — | $110 | 5.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE NEW YORK, NY 10118 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $26 | $26 | 1.18% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II, SUITE 600 AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $18 | $18 | 0.82% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 688 | $4.4M |
| Dental | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 409 | $361K |
| Vision | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 409 | $361K |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 299 | $61K |
| Other(7 contracts, 4 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 498 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 688 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.