| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 604502215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $0 | $17K | 11.02% |
| UNITED PROFESSIONAL BENEFITS3 | 19607 NYS ROUTE 3 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ENCOMPASS BENEFIT CONSULTANTS3 | 95 PUBLIC SQUARE STE 400 WATERTOWN, NY 13601 | FIRST RELIANCE STANDARD | $5K | $0 | $5K | 8.86% |
| UNITED PROFESSIONAL BENEFITS3 | 19607 NYS ROUTE 3 WATERTOWN, NY 13601 | FIRST RELIANCE STANDARD | $674 | $0 | $674 | 1.14% |
| ENCOMPASS BENEFIT CONSULTANTS3 | 95 PUBLIC SQUARE STE 400 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.49% |
| ENCOMPASS BENEFIT CONSULTANTS3 | 95 PUBLIC SQUARE STE 400 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.04% |
| UNITED PROFESSIONAL BENEFITS3 | 19607 NYS ROUTE 3 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $275 | $0 | $275 | 0.96% |
| ENCOMPASS BENEFIT CONSULTANTS3 | 95 PUBLIC SQUARE STE 400 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.95% |
| UNITED PROFESSIONAL BENEFITS3 | 19607 NYS ROUTE 3 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $641 | $0 | $641 | 3.05% |
| ENCOMPASS BENEFIT CONSULTANTS3 | 95 PUBLIC SQUARE STE 400 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $508 | $0 | $508 | 8.03% |
| UNITED PROFESSIONAL BENEFITS3 | 19607 NYS ROUTE 3 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $125 | $0 | $125 | 1.98% |
| BETTER BUSINESS PLANNING3 | 125 WEST ORCHARD ST ITASCA, IL 60143 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $541 | $0 | $541 | 10.99% |
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 | 760 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 762 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIRST RELIANCE STANDARD | 250 | $59K |
| Life insurance(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD | 760 | $83K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 159 | $58K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 741 | $182K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD | 760 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 760 | — |
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."
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.