| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ZANDER & ASSOCIATES, LLP | — | AETNA LIFE INSURANCE CO. | — | $27K | $27K | 5.16% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 19.69% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $759 | $759 | 1.23% |
| JAMES PERRY ZANDER3 | 1701 W. NORTHWEST HWY. STE 100 GRAPEVINE, TX 76051 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.46% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMNSTRS INC | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| JEAMES PERRY ZANDER3 | 4655 CENTRAL EXPRESSWAY 2ND FL DALLAS, TX 75205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.55% |
| JAMES ZANDER3 | 925 W. PLEASANT RUN RD DESOTO, TX 75115 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 17.92% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.98% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 78766 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 5.98% |
| JAMES PERRY ZANDER3 | 1701 W. NORTHWEST HWY. STE 100 GRAPEVINE, TX 76051 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.27% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $505 | $505 | 5.00% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $505 | $505 | 5.00% |
| JAMES PERRY ZANDER3 | 4655 N CENTRAL EXPWY 2ND FL DALLAS, TX 75205 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $377 | — | $377 | 3.73% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES P ZANDER | 4655 N CENTRAL EXPWY 2ND FLOOR DALLAS, TX 75205 | TRANSAMERICA LIFE INSURANCE COMPANY | $651 | — | $651 | 17.13% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $187 | — | $187 | 4.92% |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | TRANSAMERICA LIFE INSURANCE COMPANY | $2 | — | $2 | 0.05% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 83 | $532K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $62K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $62K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $79K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 16 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $30K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 178 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.