| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $3K | $11K | 6.29% |
| CUI BENEFITS3 | 7730 S UNION PARK AVE SUITE 250 MIDVALE, UT 84047 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 4.55% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.93% |
| CUI BENEFITS3 | 5965 S 900 E SALT LAKE CITY, UT 84121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 721 S PARKER ST SUITE 300 ORANGE, IL 92868 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $165 | $3K | 5.26% |
| CUI BENEFITS3 | 7730 S UNION PARK AVE SUITE 250 MIDVALE, UT 84047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 7.89% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $101 | $2K | 5.31% |
| CUI BENEFITS3 | 7730 S UNION PARK AVE SUITE 250 MIDVALE, UT 84047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $85 | $2K | 5.28% |
| CUI BENEFITS3 | 7730 S UNION PARK AVE SUITE 250 MIDVALE, UT 84047 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $381 | $3K | 14.21% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $237 | $1K | 5.87% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.81% |
| CUI BENEFITS3 | 7730 S UNION PARK AVE SUITE 250 MIDVALE, UT 84047 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $440 | $3K | 12.82% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PARKWAY SUITE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $991 | $225 | $1K | 5.95% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $991 | $991 | 4.85% |
| CUI BENEFITS3 | 7730 S UNION PARK AVE SUITE 250 MIDVALE, UT 84047 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $366 | $4K | 20.43% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PARKWAY SUITE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $866 | $194 | $1K | 5.66% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $866 | $866 | 4.62% |
| CUI BENEFITS3 | 7730 S UNION PARK AVE SUITE 250 MIDVALE, UT 84047 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $1K | $85 | $1K | 9.33% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST ORANGE, IL 92668 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $691 | $276 | $967 | 6.16% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $0 | $414 | $414 | 2.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CUI BENEFITS ADMINISTRATOR | Contract Administrator Service code 13 | 5965 S 900 E SALT LAKE CITY, UT 84121 | $31K |
| GIS BENEFITS ADMINISTRATOR | Contract Administrator Service code 13 | 422 WAUPONSEE ST MORRIS, IL 60450 | $22K |
| BOON CHAPMAN BENEFIT ADMINISTRATORS ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 9201 AUSTIN, TX 78766 | $8K |
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 | 493 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 137 | $61K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 493 | $189K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 493 | $173K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 525 | $269K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 525 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 156 | $31K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 525 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.