| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 18.26% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP AN ALERA GROUP AGENCY | 500 FAUNCE CORNER RD BLDG 100 STE 120 DARTMOUTH, MA 02747 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $721 | $721 | 1.65% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $622 | $622 | 1.42% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP AN ALERA GROUP AGENCY | 500 FAUNCE CORNER RD. BLDG 100 STE 120 DARTMOUTH, MA 02747 | RELIANCE STANDARD | $1K | $0 | $1K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $430 | $72 | $502 | 5.84% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD | $0 | $90 | $90 | 1.05% |
| GCG FINANCIAL LLC3 Filed as: SYLVIA GROUP AN ALERA GROUP AGENCY | 500 FAUNCE CORNER RD. BLDG 100 STE 120 DARTMOUTH, MA 02747 | RELIANCE STANDARD | $522 | $0 | $522 | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $261 | $56 | $317 | 6.07% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD | $0 | $70 | $70 | 1.34% |
| ROSEMARIE HINES3 Filed as: ROSEMARIE S. LOPES/SYLVIA GROUP | — | MASS GENERAL BRIGHAM HEALTH PLAN | $17K | $0 | $17K | — |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MASS GENERAL BRIGHAM HEALTH PLAN | 42 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 67 | $44K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 67 | $44K |
| Life insurance | RELIANCE STANDARD | 105 | $5K |
| Long-term disability | RELIANCE STANDARD | 100 | $9K |
| Other | RELIANCE STANDARD | 105 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.