| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | PO BOX 741259 LOS ANGELES, CA 90074 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $56K | $74K | 3.88% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | PO BOX 32702 TUCSON, AZ 85751 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.11% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMNSTRS, INC. | PO BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOZ 32702 TUCSON, AZ 85751 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 31.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 32702 TUCSON, AZ 85751 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 23.33% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.86% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $925 | $0 | $925 | 2.73% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMNSTRS, INC. | 9401 AMBERGLEN BOULEVARD BUILDING 1, SUITE 100 AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $386 | $0 | $386 | 1.14% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT AND TOUCHE | PO BOX 32702 TUCSON, AZ 85751 | UPRISE HEALTH | $493 | $0 | $493 | 4.91% |
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 | 1,016 | 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) | 1,016 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 600 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 600 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 600 | $1.9M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 417 | $122K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 417 | $122K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 417 | $122K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 600 | $1.9M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,016 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,016 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.