| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 STE 201 CHARLOTTE, NC 28217 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $19K | $26K | 5.74% |
| BB&T3 | 850 CONCOURSE PKWY SOUTH STE 200 MAITLAND, FL 32751 | LINCOLN FINANCIAL GROUP | $7K | — | $7K | 15.00% |
| GIS NATIONAL3 Filed as: GIS OF FLORIDA | 9500 KROGER AVE STE 200 ST PETERSBURG, FL 32702 | LINCOLN FINANCIAL GROUP | $2K | — | $2K | 5.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMNSTRS INC | PO BOX 9201 BLDG I, SUITE 100 AUSTIN, TX 78766 | LINCOLN FINANCIAL GROUP | — | $2K | $2K | 5.00% |
| BB&T3 | 850 CONCOURSE PKWY SOUTH STE 200 MAITLAND, FL 32751 | LINCOLN FINANCIAL GROUP | $5K | — | $5K | 15.01% |
| GIS NATIONAL3 Filed as: GIS OF FLORIDA | 9500 KROGER AVE STE 200 ST PETERSBURG, FL 32702 | LINCOLN FINANCIAL GROUP | $2K | — | $2K | 5.00% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 BLDG I STE 100 AUSTIN, TX 78766 | LINCOLN FINANCIAL GROUP | — | $2K | $2K | 5.00% |
| BB&T3 | 850 CONCOURSE PKWY SOUTH STE 200 MAITLAND, FL 32751 | LINCOLN FINANCIAL GROUP | $4K | $0 | $4K | 15.00% |
| GIS NATIONAL3 Filed as: GIS OF FLORIDA | 9500 KROGER AVE STE 200 ST PETERSBURG, FL 32702 | LINCOLN FINANCIAL GROUP | $1K | — | $1K | 5.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMINSTRATORS | PO BOX 9201 BLDG I, SUITE 100 AUSTIN, TX 78766 | LINCOLN FINANCIAL GROUP | — | $1K | $1K | 5.01% |
| BB&T3 | 850 CONCOURSE PKWY SOUTH STE 200 MAITLAND, FL 32751 | LINCOLN FINANCIAL GROUP | $4K | — | $4K | 15.00% |
| GIS NATIONAL3 Filed as: GIS OF FLORIDA | 9500 KROGER AVE STE 200 ST PETERSBURG, FL 33702 | LINCOLN FINANCIAL GROUP | $1K | — | $1K | 4.98% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 BLDG I, SUITE 100 AUSTIN, TX 78766 | LINCOLN FINANCIAL GROUP | — | $1K | $1K | 4.98% |
| BB&T3 | 850 CONCOURSE PKWY SOUTH STE 200 MAITLAND, FL 32751 | AMERITAS | $1K | — | $1K | 10.01% |
| GIS NATIONAL3 Filed as: GIS OF FLORIDA | 9500 KROGER AVE STE 200 ST PETERSBURG, FL 33702 | AMERITAS | $551 | — | $551 | 5.00% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 BLDG I SUITE 100 AUSTIN, TX 78766 | AMERITAS | — | $551 | $551 | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | TRANSAMERICA LIFE INSURANCE COMPANY | $697 | — | $697 | 8.36% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $314 | — | $314 | 3.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | TRANSAMERICA LIFE INSURANCE COMPANY | $19 | — | $19 | 0.23% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 94 | $457K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 94 | $448K |
| Vision | AMERITAS | 62 | $11K |
| Life insurance(2 contracts) | LINCOLN FINANCIAL GROUP | 163 | $74K |
| Short-term disability | LINCOLN FINANCIAL GROUP | 152 | $30K |
| Long-term disability | LINCOLN FINANCIAL GROUP | 152 | $30K |
| Other(2 contracts) | LINCOLN FINANCIAL GROUP | 163 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.