Plan Ledger DOL Form 5500 · updated monthly

Memoir, Inc. dba Chapterbenefits

Chapter Health and Welfare Benefits Plan · SCOTTSDALE, AZ · plan year 2025

Broker compensation reported · 2025
$28,542

Memoir, Inc. dba Chapter's benefits plan covered 183 active participants in 2025, providing health · life · dental · vision · short-term disability · other. Insurance brokers and agents were paid $28,542 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That is $156 per covered person, below the median for employer plans that report broker pay.

Insurance contracts · 20252
CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES · dental visionpremiums n/a · 176 covered
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA · life stdpremiums n/a · 78 covered
Brokers & agents paid · 20253
SEQUOIA BENEFITS LLC$16,675 · incl $747 fees
CENTERSTONE INSURANCE & FIN. SVCS.$7,965 · incl $7,083 fees
Also brokered by Sequoia Benefits LLC5
Tia, Inc. CA$109,583

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 301173534 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.