| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW STE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $53 | $21K | 9.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 5.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD. STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | — | $198 | $198 | 0.09% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $12K | $12K | 8.24% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY STE 800 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 4.58% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 8.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 4401 NORTHSIDE PARKWAY NW #800 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY STE 800 ATLANTA, GA 30327 | UNUM INSURANCE COMPANY | $3K | $966 | $4K | 18.13% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $1K | $1K | 5.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY STE 800 ATLANTA, GA 30327 | UNUM INSURANCE COMPANY | $2K | $728 | $3K | 18.19% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $872 | $872 | 5.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY STE 800 ATLANTA, GA 30327 | UNUM INSURANCE COMPANY | $2K | $623 | $2K | 18.28% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $743 | $743 | 5.49% |
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 | 468 | 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) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 628 | $217K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 628 | $217K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 468 | $71K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $143K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $143K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 468 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.