| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEMMELGARN BENEFITS, LLC3 | PO BOX 23 MINSTER, OH 45865 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.15% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY | 2951 PDMN ROAD NE SUITE 200 ATLANTA, GA 30305 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.07% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE BROKER INS SERVICE | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.56% |
| HEMMELGARN BENEFITS, LLC3 Filed as: HEMMELGARN BENEFITS | P.O. BOX 23 MINSTER, OH 45865 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 12.93% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.52% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $456 | $2K | 4.31% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP | 1900 POLARIS PKWY SUITE 450 COLUMBUS, OH 43240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.37% |
| HEMMELGARN BENEFITS, LLC3 Filed as: HEMMELGARN BENEFITS | P.O. BOX 23 MINSTER, OH 45865 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $891 | $3K | 13.40% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $437 | $2K | 8.38% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $868 | $297 | $1K | 4.47% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP | 1900 POLARIS PKWY SUITE 450 COLUMBUS, OH 43240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $868 | $868 | 3.33% |
| HEMMELGARN BENEFITS, LLC3 Filed as: HEMMELGARN BENEFITS | P.O. BOX 23 MINSTER, OH 45865 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $725 | $245 | $970 | 13.37% |
| HIGGINBOTHAM INS AGENCY INC3 Filed as: HIGGINBOTHAM INSURANCE AGENCY, INC. | 500 WEST 13TH STREET FORT WORTH, TX 76102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $486 | $121 | $607 | 8.37% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $242 | $82 | $324 | 4.47% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP | 1900 POLARIS PKWY SUITE 450 COLUMBUS, OH 43240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $242 | $242 | 3.34% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 367 | $136K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 367 | $136K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $56K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $26K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.