| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 1050 WASHINGTON STREET, SUITE 233 TEMPE, AZ 85281 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $3K | $19K | 8.86% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 3.89% |
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE | 475 FALLBROOK BOULEVARD LINCOLN, NE 68521 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.83% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN., INC. | 9401 AMBERGLEN BOULEVARD BUILDING 1, SUITE 100 AUSTIN, TX 78729 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $331 | $0 | $331 | 0.16% |
| MARK METTILLE3 | 422 WAUPONSE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $331 | $0 | $331 | 0.16% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD STREET TUCSON, AZ 85710 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.28% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $506 | $0 | $506 | 4.64% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD STREET TUCSON, AZ 85710 | SOLSTICE BENEFITS, INC. | $488 | $0 | $488 | 10.00% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $217K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 118 | $11K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $212K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $212K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $212K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 150 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.