| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS Filed as: BOON-CHAPMAN, INC. | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $21K | $21K | 13.76% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES, IN | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 12.88% |
| GIS BENEFITS INC Filed as: GIS BENEFITS | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | — | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.49% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMEN BENEFIT | ADMINISTRATORS PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $17K | 18.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $107 | $9K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.67% |
| MARK METTILLE3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 12.92% |
| GIS BENEFITS INC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $361 | $4K | 6.12% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAMPAN BENEFIT | ADMINISTRATORS PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 5.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER & CO | — | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $106 | $3K | 4.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $334 | $334 | 0.48% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $90K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 237 | $90K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $153K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $153K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $153K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.