| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $16K | $60K | 4.76% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $0 | $55K | 4.37% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $0 | $23K | 1.83% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $29 | $20K | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $32 | $11K | 0.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $718 | $718 | 0.06% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $30 | $23K | 7.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $92 | $92 | 0.03% |
| BLUE CHIP BENEFITS3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $97K | $0 | $97K | 48.67% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $4K | $16K | 7.81% |
| MARK METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 8.20% |
| BLUE CHIP BENEFITS3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.09% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.17% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $29 | $3K | 2.59% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD STE 2400 HOUSTON, TX 77042 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $32 | $2K | 1.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $115 | $115 | 0.11% |
| BLUE CHIP BENEFITS3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $0 | $53K | 53.10% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 9.45% |
| BLUE CHIP BENEFITS3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $0 | $45K | 53.48% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 9.28% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 6.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNON AGENCY LLC | 8144 WALNUT HILL LN STE 1600 DALLAS, TX 75231 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 2.02% |
| UMR, INC.3 Filed as: UNITED HEALTHCARE SERVICES, INC. | — | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $72K | $72K | 541.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 PHARMACY BENEFIT MGMT | Direct payment from the plan; Claims processing; Other fees; Float revenue Service code 12 | — | $6.8M |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $2.1M |
| TAXSAVER ADMIN | Plan Administrator Service code 14 | 4925 GREENVILLE AVE STE 1300 DALLAS, TX 75206 | $38K |
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 | 3,312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 106 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 818 | $463K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL INSURANCE COMPANY | 2,380 | $1.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 5,569 | $308K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 9,161 | $1.3M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 9,161 | $1.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,161 | $1.3M |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | GRANULAR INSURANCE COMPANY | 3,454 | $2.1M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 9,161 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,161 | — |
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.