| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST AGENCY | PO BOX 2456 LAFAYETTE, LA 70502 | UNITEDHEALTHCARE INSURANCE COMPANY | $77K | — | $77K | 3.79% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS AGN | 600 JEFFERSON STREET - SUITE 200 LAFAYETTE, LA 70501 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 9.98% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 4.79% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS AGN | PO BOX 2456 LAFAYETTE, LA 70502 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 10.00% |
| MARK METTILLE3 | 2340 E TRINITY MILLS-SUITE 223 CARROLLTON, TX 75006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $805 | — | $805 | 0.93% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS AGN | PO BOX 2456 LAYFAYETTE, LA 70502 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| MARK METTILLE3 | 2340 E TRINITY MILLS-SUITE 223 CARROLLTON, TX 75006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $844 | — | $844 | 1.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS AGN | PO BOX 2456 LAFAYETTE, LA 70502 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| MARK METTILLE3 | 2340 E TRINITY MILLS-SUITE 223 CARROLLTON, TX 75006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $397 | — | $397 | 1.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS AGN | PO BOX 2456 LAYFAYETTE, LA 70502 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $249 | — | $249 | 10.02% |
| MARK METTILLE3 | 2340 E TRINITY MILLS-SUITE 223 CARROLLTON, TX 75006 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $124 | — | $124 | 4.99% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30 | — | $30 | 1.21% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 371 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $129K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 327 | $129K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $84K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $39K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $87K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 205 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.