| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $8K | 6.07% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 6565 AMERICAS PARWAY NE, SUITE 720 ALBUQUERQUE, NM 87110 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $47 | $47 | 0.04% |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 377 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 377 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 377 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $124K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $124K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $124K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 377 | $1.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 547 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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."
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.