| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIA BENEFITS CONSULTING LLC3 | PO BOX 460 ROSSVILLE, GA 30741 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $0 | $32K | 11.50% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $15K | 5.55% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.29% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING | — | COMBINED INSURANCE | $15K | $0 | $15K | 47.10% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | — | COMBINED INSURANCE | $3K | $0 | $3K | 10.06% |
| BIG BENEFIT CORP3 | — | COMBINED INSURANCE | $56 | $0 | $56 | 0.17% |
| INSPIRED ASSOCIATES3 | — | COMBINED INSURANCE | $48 | $0 | $48 | 0.15% |
| GINGER MULLINS & COMPANY INC3 Filed as: GINGER REYNA | — | COMBINED INSURANCE | $48 | $0 | $48 | 0.15% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING | 325 CHEROKEE BLVD SUITE 201 CHATTANOOGA, TN 37405 | METLIFE LEGAL PLANS | $785 | $0 | $785 | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER BLVD SUITE 200 ST PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $785 | $0 | $785 | 10.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 BLDG 1 SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $394 | $394 | 5.02% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING | 325 CHEROKEE BLVD SUITE 201 CHATTANOOGA, TN 37405 | GEN DIGITAL, INC. | $727 | $0 | $727 | 10.01% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER BLVD SUITE 200 ST PETERSBURG, FL 33702 | GEN DIGITAL, INC. | $361 | $0 | $361 | 4.97% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 BLDG 1 SUITE 100 AUSTIN, TX 78766 | GEN DIGITAL, INC. | $0 | $361 | $361 | 4.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIA BENEFITS EIN 20-8266101 AGENT | Insurance agents and brokers Service code 22 | PO BOX 460 ROSSVILLE, GA 30741 | $51K |
| LUCENT HEALTH SOLUTIONS LLC TPA | Claims processing Service code 12 | 5560 W GRANDE MARKET DR APPLETON, WI 54913 | $45K |
| HST TECHNOLOGY SOLUTIONS INC EIN 27-1818792 REF BASEPR | Other fees Service code 99 | 3857 BIRCH STREET SUITE 586 NEWPORT BEACH, CA 92660 | $25K |
| MEDWATCH EIN 16-1662117 U/R | Other fees Service code 99 | PO BOX 21796 TAMPA, FL 33630 | $7K |
| CAREOPERATIVE LLC EIN 46-4399706 HCBB COMP | Other fees Service code 99 | 330 FRANKLIN ROAD SUITE 13A-42B BRENTWOOD, TN 37027 | $824 |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 101 | $527K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $275K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $275K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $275K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $275K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $275K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 101 | $495K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.