| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $162 | $4K | 21.21% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $319 | $1K | 7.57% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | PO BOX 250 GULFPORT, MS 39502 | METROPOLITAN LIFE INSURANCE COMPANY | $527 | $0 | $527 | 2.90% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $272 | $272 | 1.50% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $180 | $3K | 20.45% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $338 | $1K | 8.12% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | PO BOX 250 GULFPORT, MS 39502 | METROPOLITAN LIFE INSURANCE COMPANY | $846 | $0 | $846 | 5.05% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $395 | $395 | 2.36% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $569 | $3K | 21.60% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 10.88% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 8.66% |
| BENNIE INSURANCE, LLC3 | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $116 | $2K | 21.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $593 | $194 | $787 | 7.65% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | PO BOX 250 GULFPORT, MS 39502 | METROPOLITAN LIFE INSURANCE COMPANY | $322 | $0 | $322 | 3.13% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $184 | $184 | 1.79% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $15K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $15K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $15K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $15K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 112 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.