| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHWEST LLC | PO BOX 3144 SPOKANE, WA 99220 | REGENCE BLUESHIELD OF IDAHO, INC. | $19K | $3K | $22K | 3.44% |
| MODERN BENEFITS SOLUTIONS INC3 | 2414 SOUTH KATY COURT SPOKANE, WA 99224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $806 | $6K | 10.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.71% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $537 | $537 | 1.04% |
| MODERN BENEFITS SOLUTIONS INC3 | 2414 SOUTH KATY COURT SPOKANE, WA 99224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $800 | $6K | 22.04% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.71% |
| MARK METTILLE3 Filed as: MARK S METTILE | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $533 | $533 | 2.12% |
| MODERN BENEFITS SOLUTIONS INC3 | 2414 SOUTH KATY COURT SPOKANE, WA 99224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $618 | $4K | 22.49% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $799 | $799 | 4.71% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $412 | $412 | 2.43% |
| MODERN BENEFITS SOLUTIONS INC3 | 2414 SOUTH KATY COURT SPOKANE, WA 99224 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $429 | $3K | 23.62% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $793 | $793 | 6.67% |
| MARK S METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $286 | $286 | 2.40% |
| MODERN BENEFITS SOLUTIONS INC3 | 2414 SOUTH KATY COURT SPOKANE, WA 99224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $439 | — | $439 | 5.00% |
| HOME OFFICE TPA PAYS COMMISSION3 | 475 FALLBROOK BOULEVARD LINCOLN, NE 68521 | AMERITAS LIFE INSURANCE CORP. | $277 | — | $277 | 3.18% |
| MODERN BENEFITS SOLUTIONS INC3 Filed as: MODERN BENEFITS SOLUTIONS | 2414 SOUTH KATY COURT SPOKANE, WA 99224 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $417 | — | $417 | 4.99% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 140 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO, INC. | 104 | $641K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 100 | $52K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 198 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 68 | $12K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 51 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 159 | $25K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 68 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.