| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS | 200 WEST ADAMS STREET SUITE 500 CHICAGO, IL 60606 | GERBER LIFE INSURANCE COMPANY | — | $56K | $56K | 29.07% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN | 36711 AMERICAN WAY SUITE 2F AVON, OH 44011 | GERBER LIFE INSURANCE COMPANY | — | $43K | $43K | 22.55% |
| ELLIS CONSULTANTS0 | 5909 WEST LOOP SOUTH SUITE 660 BELLAIRE, TX 77401 | GERBER LIFE INSURANCE COMPANY | — | $7K | $7K | 3.44% |
| CHAPMAN & CHAPMAN INC3 | 2307 E AURORA RD STE B13 TWINSBURG, OH 44087 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $372 | $7K | 25.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $367 | $367 | 1.35% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN | 2307 E AURORA RD B-13 TWINSBURG, OH 44087 | HM INSURANCE GROUP | $0 | — | $0 | 0.00% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN & CHAPMAN INC. | 2307 E AURORA RD, STE B13 TWINSBURG, OH 44087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $333 | $3K | 32.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INUSRANCE SERVICES, INC. | BLDG 2, STE 125 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| CHAPMAN & CHAPMAN INC3 Filed as: CHAPMAN AND CHAPMAN | 2307 E AURORA RD B-13 TWINSBURG, OH 44087 | CONSUMERS LIFE INSURANCE COMPANY | $134 | $56 | $190 | 16.80% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HM INSURANCE GROUP | 147 | $11K |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 35 | $1K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 151 | $193K |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 82 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.