| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RYAN KRONER3 | 21600 OXNARD ST WOODLAND HILLS, CA 91367 | COMMUNITY INSURANCE COMPANY | $50K | — | $50K | 2.12% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INSURANCE SERVIC | 2101 FLORENCE AVE CINCINNATI, OH 45206 | COMMUNITY INSURANCE COMPANY | $0 | $3K | $3K | 0.13% |
| RYAN KRONER3 | 21600 OXNARD ST STE 645 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 8.29% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $14K | 4.91% |
| JEFFREY A LEWIS3 Filed as: JEFFREY LEWIS | 940 ELMDALE ST NE GRAND RAPIDS, MI 49525 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | — | -$2K | -0.59% |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 1,177 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 737 | $277K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 1,177 | $2.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 737 | $277K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 737 | $277K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 737 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,177 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.