| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 6.42% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 500 TREAT AVENUE, SUITE 200 SAN FRANCISCO, CA 94110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 6565 AMERICANS PARKWAY NE SUITE 720 ALBUQUERQUE, NM 87110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $59 | $59 | 0.05% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 394 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 394 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 394 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 535 | $123K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 535 | $123K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 535 | $123K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 394 | $1.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 535 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.