| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS OF FLORIDA | 422 WAUPONSEE MORRIS, IL 60450 | RELIANCE STANDARD | $17K | $0 | $17K | 5.77% |
| UNITED PROFESSIONAL BENEFITS3 | 19607 NYS ROUTE 3 WATERTOWN, NY 13601 | RELIANCE STANDARD | $4K | $0 | $4K | 1.31% |
| UNITED PROFESSIONAL BENEFITS3 | 19607 NYS ROUTE 3 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| UNIVERSAL EMPLOYEES BENEFITS SOLUTI3 | 19607 NYS ROUTE 3 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $974 | $0 | $974 | 1.73% |
| UNIVERSAL EMPLOYEES BENEFITS SOLUTI3 | 19607 NYS ROUTE 3 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $648 | $0 | $648 | 1.90% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $282 | $1K | 4.63% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.66% |
| UNITED PROFESSIONAL BENEFITS3 Filed as: UNITED PROFESSIONAL BENEFITS LLC | 19607 STATE ROUTE 3 WATERTOWN, NY 13601 | METROPOLITAN LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.06% |
| UNIVERSAL EMPLOYEES BENEFITS SOLUTI3 | 19607 NYS ROUTE 3 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $579 | $0 | $579 | 2.99% |
| UNITED PROFESSIONAL BENEFITS3 | 19607 NYS ROUTE 3 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $379 | $0 | $379 | 2.91% |
| UNITED PROFESSIONAL BENEFITS3 | 19607 NYS ROUTE 3 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $268 | $0 | $268 | 3.07% |
| UNITED PROFESSIONAL BENEFITS3 | 19607 NYS ROUTE 3 WATERTOWN, NY 13601 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $237 | $0 | $237 | 4.21% |
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 | 1,126 | 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) | 1,126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 465 | $90K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 439 | $61K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 232 | $56K |
| Stop-loss / reinsurancereinsurance | RELIANCE STANDARD | 1,126 | $295K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 439 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,126 | — |
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.