| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUI BENEFITS3 | 7730 S UNION PARK AVE SUITE 250 MIDVALE, UT 84047 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 6.28% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 5.95% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.82% |
| CUI BENEFITS3 | 5965 S 900 E SALT LAKE CITY, UT 84121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 721 S PARKER ST SUITE 300 ORANGE, IL 92868 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.00% |
| CUI BENEFITS3 | 7730 S UNION PARK AVE SUITE 250 MIDVALE, UT 84047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.15% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.00% |
| CUI BENEFITS3 | 7730 S UNION PARK AVE SUITE 250 MIDVALE, UT 84047 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $442 | $3K | 14.16% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PARKWAY SUITE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.57% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.57% |
| CUI BENEFITS3 | 7730 S UNION PARK AVE SUITE 250 MIDVALE, UT 84047 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 5.00% |
| CUI BENEFITS3 | 7730 S UNION PARK AVE SUITE 250 MIDVALE, UT 84047 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $452 | $4K | 17.05% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.71% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $293 | $293 | 1.42% |
| CUI BENEFITS3 | 7730 S UNION PARK AVE SUITE 250 MIDVALE, UT 84047 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $369 | $4K | 22.56% |
| GIS BENEFITS INC3 | 2520 NORTHWINDS PARKWAY SUITE 600 ALPHARETTA, GA 30009 | METROPOLITAN LIFE INSURANCE COMPANY | $991 | $0 | $991 | 5.16% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $991 | $991 | 5.16% |
| CUI BENEFITS3 | 7730 S UNION PARK AVE SUITE 250 MIDVALE, UT 84047 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $2K | $285 | $2K | 11.60% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST ORANGE, IL 92668 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $857 | $0 | $857 | 4.97% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $0 | $514 | $514 | 2.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CUI BENEFITS ADMINISTRATOR | Contract Administrator Service code 13 | 5965 S 900 E SALT LAKE CITY, UT 84121 | $32K |
| GIS BENEFITS ADMINISTRATOR | Contract Administrator Service code 13 | 422 WAUPONSEE ST MORRIS, IL 60450 | $18K |
| MERITAIN HEALTH EIN 16-1264154 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $14K |
| BOON CHAPMAN BENEFIT ADMINISTRATORS ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 9201 AUSTIN, TX 78766 | $7K |
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 | 525 | 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) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $63K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $166K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 262 | $148K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 525 | $228K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 525 | $30K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 83 | $21K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 525 | $80K |
| 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."
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.