| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEAN & DRAPER LP3 | 3131 WEST ALABAMA STREET HOUSTON, TX 77098 | HUMANA HEALTH PLAN OF TEXAS, INC. | $32K | — | $32K | 5.46% |
| HOME OFFICE TPA PAYS COMMISSION3 | 475 FALLBROOK BLVD LINCOLN, NE 68521 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 14.99% |
| NEW SOULES INSURANCE AGENCY INC3 | 701 NORTH SAN JACINTO CONROE, TX 77301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $995 | — | $995 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $463 | $463 | 2.33% |
| NEW SOULES INSURANCE AGENCY INC3 | 701 NORTH SAN JACINTO CONROE, TX 77301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $719 | — | $719 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $361 | $361 | 2.51% |
| DEAN & DRAPER LP3 | 3131 WEST ALABAMA STREET HOUSTON, TX 77098 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 13.88% |
| NEW SOULES INSURANCE AGENCY INC3 | 701 NORTH SAN JACINTO CONROE, TX 77301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $380 | — | $380 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $114 | $114 | 1.50% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN OF TEXAS, INC. | 60 | $593K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 242 | $72K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 242 | $72K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 237 | $26K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 38 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14 | $8K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 237 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.