| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GULF COAST AGNCY LL | PO BOX 2456 LAFAYETTE, LA 70502 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 3.72% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | PO BOX 1139 JACKSON, MS 39215 | UNITEDHEALTHCARE INSURANCE COMPANY | -$509 | — | -$509 | -0.06% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF CST INS | 600 JEFFERSON ST - STE 200 LAFAYETTE, LA 70501 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 9.58% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $793 | $3K | 6.01% |
| ROSS & YERGER INSURANCE INC3 Filed as: ROSS & YERGER INSURANCE INC. | PO BOX 1139 JACKSON, MS 39215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $723 | $723 | 1.47% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | 13750 SAN PEDRO AVE-STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $367 | $5K | 31.66% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS AGN | 600 JEFFERSON ST - STE 200 LAFAYETTE, LA 70501 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $97 | $4K | 29.83% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $612 | $245 | $857 | 5.83% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.42% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | 13750 PEDRO AVE, STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $325 | $4K | 28.71% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS AGN | 600 JEFFERSON ST, SUITE 200 LAFAYETTE, LA 70501 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $90 | $4K | 27.07% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $542 | $217 | $759 | 5.29% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | — | $54 | $54 | 0.38% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | 13750 SAN PEDRO AVE- SUITE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $208 | $3K | 32.14% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS GULF COAST INS AGN | 600 JEFFERSON STREET-STE 200 LAFAYETTE, LA 70501 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $71 | $2K | 30.46% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $346 | $139 | $485 | 5.92% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | METROPOLITAN LIFE INSURANCE COMPANY | — | $35 | $35 | 0.43% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 67 | $788K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $49K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $49K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $49K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 37 | $15K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 113 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.