| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $18K | $18K | 8.91% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1395 PANTHER LANE, SUITE 100 NAPLES, FL 34109 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BOULEVARD, SUITE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 38.65% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 18.74% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.75% |
| EAM WEISS AND ASSOCIATES, LLC3 | 1521 MOUNT VERNON STREET ORLANDO, FL 32803 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$24 | $0 | -$24 | -0.06% |
| MICHELLE L. MOSLEY, LLC3 | 2556 CONWAY ROAD, APARTMENT 606 ORLANDO, FL 32812 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$318 | $0 | -$318 | -0.80% |
| GIS NATIONAL3 | 9500 KOGER AVENUE, SUITE 200 ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $589 | $0 | $589 | 15.59% |
| GIS NATIONAL3 Filed as: GIS OF MIDATLANTIC | 1414 KEY HIGHWAY, SUITE 300M BALTIMORE, MD 21230 | METLIFE LEGAL PLANS | $277 | $0 | $277 | 7.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METLIFE LEGAL PLANS | $269 | $0 | $269 | 7.12% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINS, INC. | PO BOX 9201 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $266 | $266 | 7.04% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | METLIFE LEGAL PLANS | $28 | $0 | $28 | 0.74% |
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 | 75 | 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) | 75 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $199K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $199K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $199K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $199K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $199K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 160 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.