| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPLITAN LIFE INSURANCE COMPANY | $63K | $14K | $76K | 29.45% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 3.03% |
| PINKERTON INSURANCE GROUP INC3 | 421 COMMERCIAL CT STE A VENICE, FL 34292 | METROPLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.29% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | — | $300 | $300 | 4.23% |
| PINKERTON INSURANCE GROUP INC3 | 421 COMMERCIAL CT STE A VENICE, FL 34292 | SAFEGUARD HEALTH PLANS, INC. A FLORIDA CORPORATION | — | $71 | $71 | 1.00% |
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 | 515 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPLITAN LIFE INSURANCE COMPANY | 515 | $266K |
| Vision | METROPLITAN LIFE INSURANCE COMPANY | 515 | $259K |
| Life insurance | METROPLITAN LIFE INSURANCE COMPANY | 515 | $259K |
| Long-term disability | METROPLITAN LIFE INSURANCE COMPANY | 515 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.