| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TONY REA3 | 2 CENTERPOINTE DRIVE SUITE 515 LAKE OSWEGO, OR 97035 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $49K | — | $49K | 17.36% |
| TONY REA3 | 2 CENTERPOINTE SUITE 515 LAKE OSWEGO, OR 97035 | METROPOLITAN LIFE INSURANCE CO | $14K | — | $14K | 14.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEEST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE CO | $5K | — | $5K | 5.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE CO | — | $5K | $5K | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE CO | — | $932 | $932 | 1.00% |
| DESSO FORMAN3 | 28059 US HIGHWAY 19 N. SUITE 201 CLEARWATER, FL 337612620 | METROPOLITAN LIFE INSURANCE CO | $669 | — | $669 | 5.79% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE CO | $579 | — | $579 | 5.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | P.O. BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE CO | — | $579 | $579 | 5.01% |
| TONY REA3 | 2 CENTERPOINTE DR SUITE 515 LAKE OSWEGO, OR 97035 | METROPOLITAN LIFE INSURANCE CO | $287 | — | $287 | 2.48% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE CO | — | $116 | $116 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO | Non-monetary compensation; Float revenue; Participant communication; Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Other services Service code 12 | — | $0 |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 288 | $295K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 288 | $284K |
| Life insurance | METROPOLITAN LIFE INSURANCE CO | 512 | $93K |
| Short-term disability | METROPOLITAN LIFE INSURANCE CO | 512 | $93K |
| Long-term disability | METROPOLITAN LIFE INSURANCE CO | 512 | $93K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 288 | $284K |
| Other | METROPOLITAN LIFE INSURANCE CO | 512 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.