| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | — | $60K | 7.75% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFIT SOLUTIONS | 2414 S. KATY CT. SPOKANE, WA 99224 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | — | $40K | 5.16% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFITS SOLUTIONS INC. | 2414 S. KATY CT. SPOKANE, WA 99224 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 9.16% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $11K | 6.41% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFIT SOLUTIONS | 2414 S. KATY CT. SPOKANE, WA 99224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 244 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 6.09% |
| MODERN BENEFITS SOLUTIONS INC3 | 2414 S. KATY CT. SPOKANE, WA 99224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.18% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFIT SOLUTIONS | 2414 S. KATY CT. SPOKANE, WA 99224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.73% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.16% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFITS SOLUTIONS, INC. | 2414 S. KATY CT. SPOKANE, WA 99224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $334 | — | $334 | 1.25% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFITS SOLUTIONS | 2414 S. KATY CT. SPOKANE, WA 99224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 6.06% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFIT SOLUTIONS | 2414 S. KATY CT. SPOKANE, WA 99224 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $457 | — | $457 | 7.32% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DR. ROSHARON, TX 77583 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $87 | — | $87 | 1.39% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | P.O. BOX 9201 AUSTIN, TX 78766 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.11% |
| LANCASTER TONYA3 | 3000 WINDY HILL RD. SE #672617 MARIETTA, GA 30067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 1.01% |
| EMMANS JORDAN3 | 438 W. 26TH AVE. SPOKANE, WA 99224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.99% |
| ALLEN TERRY KENNETH3 | 20930 E. HAPPY TRAILS LANE OTIS ORCHARDS, WA 99027 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.25% |
| HALL HOLLY3 | 2662 E. UPPER HAYDEN LAKE RD. HAYDEN, ID 83835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.25% |
| HALL HOLLY3 Filed as: HALL LISA | 686 W. MOGUL LOOP, E102 HAYDEN, ID 83835 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.25% |
| MILLWOOD WHITNEY3 | 1763 FIDDLERS RIDGE DR. FLEMING ISLAND, FL 32003 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.25% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 85 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 244 | $779K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $178K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $178K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 315 | $94K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 244 | $779K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 166 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.