| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | $0 | $45K | 14.33% |
| MARK S METTILLE3 Filed as: MARK STEPHEN METTILLE | 832 BAY STREET NE UNIT 1 SAINT PETERSBURG, FL 33701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 5.00% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING | — | COMBINED INSURANCE | $10K | $0 | $10K | 36.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | — | COMBINED INSURANCE | $2K | $0 | $2K | 8.28% |
| BIG BENEFIT CORP3 | — | COMBINED INSURANCE | $9 | $0 | $9 | 0.03% |
| INSPIRED ASSOCIATES3 | — | COMBINED INSURANCE | $8 | $0 | $8 | 0.03% |
| GINGER MULLINS & COMPANY INC3 Filed as: GINGER REYNA | — | COMBINED INSURANCE | $8 | $0 | $8 | 0.03% |
| BIA BENEFITS CONSULTING LLC3 | PO BOX 460 ROSSVILLE, GA 30741 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $403 | $2K | — |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIA BENEFITS EIN 20-8266101 AGENT | Insurance agents and brokers Service code 22 | PO BOX 460 ROSSVILLE, GA 30741 | $52K |
| LUCENT HEALTH SOLUTIONS LLC TPA | Claims processing Service code 12 | 5560 W GRANDE MARKET DR APPLETON, WI 54913 | $46K |
| MULTIPLAN EIN 13-3068979 REF BASEPR | Other fees Service code 99 | PO BOX 29380 NEW YORK, NY 10087 | $25K |
| MEDWATCH EIN 16-1662117 U/R | Other fees Service code 99 | PO BOX 21796 TAMPA, FL 33630 | $8K |
| CAREOPERATIVE LLC EIN 46-4399706 HCBB COMP | Other fees Service code 99 | 330 FRANKLIN ROAD SUITE 13A-42B BRENTWOOD, TN 37027 | $770 |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 122 | $526K |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $315K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $315K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $315K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $315K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $315K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 122 | $499K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 216 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.