| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIER INSURANCE GROUP INC3 | 68 SE 6TH ST APT 1709 MIAMI, FL 331313196 | UNIITEDHEALTHCARE INSURANCE COMPANY | — | $25K | $25K | 5.53% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $5K | $26K | 23.29% |
| GIS OF ILLINOIS3 Filed as: GIS BNENFITS INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.14% |
| MIER INSURANCE GROUP INC3 | 68 SE 6TH ST APT 1709 MIAMI, FL 331312552 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.04% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | SAFEGUARD HEALTH PLANS INC. A FLORIDA CORPORATION | — | $53 | $53 | 2.25% |
| MIER INSURANCE GROUP INC3 | 68 SE 6TH ST APT 1709 MIAMI, FL 33131 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $225 | — | $225 | 15.00% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIITEDHEALTHCARE INSURANCE COMPANY | 49 | $460K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 141 | $113K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 141 | $110K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 141 | $110K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 141 | $110K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 141 | $110K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 141 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.