| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 30638 BILLINGS, MT 59107 | BLUE CROSS BLUE SHIELD | $42K | $988 | $43K | 5.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAMPMAN BENEFIT ADMINISTRATOR | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $6K | $33K | 20.62% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $855 | $855 | 0.53% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE | PO BOX 30638 BILLINGS, MT 59107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $401 | $401 | 0.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE | PO BOX 30638 BILLINGS, MT 59107 | METROPOLITAN LIFE INSURANCE | $1K | $116 | $1K | 18.05% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE | $311 | $65 | $376 | 5.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMAN BENEFIT ADMINISTATORS | PO BOX 9201 BILLINGS, MT 59107 | METROPOLITAN LIFE INSURANCE | $0 | $311 | $311 | 4.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE | PO BOX 30638 BILLINGS, MT 59107 | METROPOLITAN LIFE INSURANCE | $1K | $122 | $1K | 19.04% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE | $310 | $65 | $375 | 5.24% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAMPMAN BENEFIT ADMINISTRATOR | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE | — | $310 | $310 | 4.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE | PO BOX 30638 BILLINGS, MT 30638 | METROPOLITAN LIFE INSURANCE | $920 | $105 | $1K | 19.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE | $230 | $48 | $278 | 5.15% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAMPMAN BENEFIT ADMINISTRATOR | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE | — | $230 | $230 | 4.26% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 211 | $884K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $185K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $185K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $185K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $185K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $185K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.