| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL GERALI3 | 355 S TELLER STREET SUITE 200 LAKEWOOD, CO 80226 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 22.64% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFIT | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.08% |
| MICHAEL GERALI3 | 355 S TELLER STREET SUITE 200 LAKEWOOD, CO 80226 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.09% |
| MICHAEL GERALI3 | 355 S TELLER STREET SUITE 200 LAKEWOOD, CO 80226 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $955 | — | $955 | 5.63% |
| MICHAEL GERALI3 | 355 S TELLER STREET SUITE 200 LAKEWOOD, CO 80226 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.84% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFIT | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $775 | — | $775 | 4.84% |
| MICHAEL GERALI3 | 355 S TELLER STREET SUITE 200 LAKEWOOD, CO 80226 | E | $241 | — | $241 | 5.81% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFIT | 422 WAUPONSEE STREET MORRIS, IL 60450 | E | $211 | — | $211 | 5.09% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFIT | 422 WAUPONSEE STREET MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $961 | — | $961 | 49.01% |
| MICHAEL GERALI3 | 355 S TELLER STREET SUITE 200 LAKEWOOD, CO 80226 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $226 | — | $226 | 11.52% |
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 | 78 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 69 | $79K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 65 | $36K |
| Vision | E | 54 | $4K |
| Life insurance(2 contracts) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 78 | $19K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 78 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
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.