| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JORDAN BURBACH3 | 2339 BRYANT STREET SAN FRANCISCO, CA 94111 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $158K | — | $158K | 3.37% |
| PAUL BARCROFT3 | 999 S SHADY GROVE ROAD SUITE 200 MEMPHIS, TN 38120 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $87K | — | $87K | 1.85% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $80K | $19K | $100K | 24.55% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.04% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.58% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DALLAS, TX 752650823 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.54% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 300 N BEACH ST DAYTONA BEACH, FL 321143304 | METROPOLITAN LIFE INSURANCE COMPANY | — | $287 | $287 | 0.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 3 EMBARCADERO CTR STE 609 SAN FRANCISCO, CA 941114065 | METROPOLITAN LIFE INSURANCE COMPANY | — | $127 | $127 | 0.03% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44 | $44 | 0.01% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37 | $37 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 6 CADILLAC DR STE 200 BRENTWOOD, TN 370275080 | METROPOLITAN LIFE INSURANCE COMPANY | $16 | — | $16 | 0.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | PRINCIPAL LIFE INSURANCE COMPANY | $27K | $4K | $31K | 8.54% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 650823 DEPT 42247 DALLAS, TX 752650823 | PRINCIPAL LIFE INSURANCE COMPANY | $30K | — | $30K | 8.49% |
| BROWN & BROWN INSURANCE SERVICES3 | 6 CADILLAC DR STE 200 BRENTWOOD, TN 370275080 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.09% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 210 MOORE COUNTY GREENSBORO, NC 274099047 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.91% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 31.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 S FIGUEROA STREET #3500 LOS ANGELES, CA 900715524 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $7K | $36 | $7K | 9.32% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.34% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $742 | $742 | 1.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | P O BOX 2153 DEPARTMENT 268 BIRMINGHAM, AL 35287 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $561 | — | $561 | 0.80% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | -$2K | — | -$2K | -2.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $18K | — | $18K | 31.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 S FIGUEROA STREET #3500 LOS ANGELES, CA 900175524 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $5K | $28 | $5K | 9.29% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.33% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $643 | $643 | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | P O BOX 2153 DEPARTMENT 268 BIRMINGHAM, AL 35287 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $464 | — | $464 | 0.84% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 14.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 725 S FIGUEROA STREET #3500 LOS ANGELES, CA 900175524 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $3K | $29 | $3K | 5.58% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.34% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $529 | $529 | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGRIFF, A MARSH & MCLENNAN AGENCY | P O BOX 2153 DEPARTMENT 268 BIRMINGHAM, AL 35287 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $219 | — | $219 | 0.48% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCESTANDARD LIFE INSURANCE COMPANY | -$564 | — | -$564 | -1.23% |
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 | 1,170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 929 | $4.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,083 | $359K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,083 | $359K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,170 | $406K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,170 | $406K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,170 | $406K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,170 | $578K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,170 | — |
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.