| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 1.88% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $399 | $4K | 0.96% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 2000 WEST LOOP SOUTH, SUITE 2150 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.85% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | PO BOX 27733 HOUSTON, TX 77227 | EYEMED VISION CARE | $800 | — | $800 | 1.78% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $646 | $97 | $743 | 4.24% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $229 | $36 | $265 | 1.51% |
| CRYSTAL IBC LLC3 Filed as: CRYSTAL AND COMPANY | 32 OLD SLIP NEW YORK, NY 10005 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $146 | — | $146 | 0.83% |
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 | 596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,576 | $394K |
| Vision | EYEMED VISION CARE | 1,143 | $45K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 596 | $238K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 596 | $238K |
| Other | AETNA LIFE INSURANCE COMPANY | 596 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,576 | — |
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.