| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | $15K | $91K | 6.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | $62 | $76K | 5.04% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | 101 S GARLAND AVE. ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 1.66% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60073 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24K | $24K | 1.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.22% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $492 | $3K | 5.04% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $435 | $2K | 4.22% |
| JONATHAN SAMUEL SPETNER3 Filed as: JONATHAN SPETNER | 8630 DELMAR BLVD. STE 100 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.32% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | 101 S GARLAND AVE. SUITE 203 ORLANDO, FL 32832 | METROPOLITAN LIFE INSURANCE COMPANY | $256 | — | $256 | 0.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $185 | $185 | 0.32% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $37 | $37 | 0.06% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | -$27 | — | -$27 | -0.05% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $320 | $2K | 5.05% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $308 | $2K | 4.91% |
| JOHNATHAN SPETNER3 | 8630 DELMAR BLVD. STE 100 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.73% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | 101 S. GARLAND AVE STE. 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $172 | — | $172 | 0.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $126 | $126 | 0.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.07% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH STREET OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | -$34 | — | -$34 | -0.09% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $289 | $3K | 7.31% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $296 | $2K | 5.04% |
| JONATHAN SAMUEL SPETNER3 Filed as: JONATHAN SPETNER | 8630 DELMAR BLVD. STE 100 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.33% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | 101 S. GARLAND AVE STE. 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $159 | — | $159 | 0.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $118 | $118 | 0.33% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23 | $23 | 0.07% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH STREET SUITE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | -$73 | — | -$73 | -0.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $41 | $3K | 20.64% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 10 LANIDEX CENTER WEST PARSIPPANY, NJ 07054 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $230 | $230 | 1.39% |
| AON CONSULTING INC3 | 200 E RANDOLPH STREET CHICAGO, IL 60601 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $14 | $14 | 0.08% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $9 | $66 | $75 | 5.36% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $40 | $7 | $47 | 3.36% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST. STE 310 OVERLAND PARK, KS 662074037 | METROPOLITAN LIFE INSURANCE COMPANY | $28 | — | $28 | 2.00% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES, INC. | 4601 COLLEGE BLVD. SUITE 100 LEAWOOD, KS 66211 | METROPOLITAN LIFE INSURANCE COMPANY | $13 | — | $13 | 0.93% |
| JONATHAN SAMUEL SPETNER3 Filed as: JONATHAN SPETNER | 8630 DELMAR BLVD SUITE 100 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | — | $6 | 0.43% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | — | $5 | 0.36% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2 | $2 | 0.14% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $10 | $66 | $76 | 11.88% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $26 | $4 | $30 | 4.69% |
| NATIONAL INSURANCE MARKETING BROKER3 | 4551 W 107TH ST. STE 310 OVERLAND PARK, KS 66207 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | — | $6 | 0.94% |
| JONATHAN SAMUEL SPETNER3 Filed as: JONATHAN SPETNER | 8220 DELMAR BLVD. STE 200 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | — | $6 | 0.94% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32832 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | — | $4 | 0.63% |
| BUKATY COMPANIES3 Filed as: BUKATY COMPANIES INC | 4601 COLLEGE BLVD. STE. 100 LEAWOOD, KS 66211 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | — | $2 | 0.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.16% |
| CUSTOM BENEFIT PROGRAMS INC3 | PO BOX 6718 SOMERSET, NJ 08875 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | $64 | $70 | 26.92% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $17 | $3 | $20 | 7.69% |
| JONATHAN SAMUEL SPETNER3 Filed as: JONATHAN SPETNER | 8630 DELMAR BLVD STE 100 SAINT LOUIS, MO 63124 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | — | $4 | 1.54% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $3 | — | $3 | 1.15% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1 | $1 | 0.38% |
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 | 916 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 924 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,357 | $1.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,357 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,357 | $1.5M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,357 | $1.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,357 | $1.5M |
| Other(8 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,357 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,357 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.