| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INCENTIVE SYSTEMS INC3 Filed as: INCENTIVE SYSTEMS | 980 JOLLY ROAD, SUITE 100 BLUE BELL, PA 19422 | RELIANCE LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.61% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE LIFE INSURANCE COMPANY | $463 | — | $463 | 0.79% |
| INCENTIVE SYSTEMS INC3 | 980 JOLLY ROAD SUITE 100 BLUE BELL, PA 19422 | VISION SERVICE PLAN | $1K | — | $1K | 5.19% |
| INCENTIVE SYSTEMS INC3 Filed as: INCENTIVE SYSTEMS, INC. | 980 JOLLY ROAD, SUITE 100 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $853 | — | $853 | 4.64% |
| INCENTIVE SYSTEMS INC3 | 980 JOLLY ROAD SUITE 100 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $502 | — | $502 | 5.46% |
| INCENTIVE SYSTEMS INC3 | 980 JOLLY ROAD, SUITE 100 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 50.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $200 | — | $200 | 5.45% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $139 | — | $139 | 10.03% |
| INCENTIVE SYSTEMS INC3 | 980 JOLLY ROAD BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $125 | — | $125 | 9.02% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $83 | — | $83 | 5.99% |
| INCENTIVE SYSTEMS INC3 Filed as: INCENTIVE SYSTEMS, INC. | 980 JOLLY ROAD, SUITE 100 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $399 | — | $399 | 30.02% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $266 | — | $266 | 20.02% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $72 | — | $72 | 5.42% |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTH NOW ADMINISTRATIVE SERVICES | 300 | $3.4M |
| Dental(2 contracts) | HEALTH NOW ADMINISTRATIVE SERVICES | 300 | $3.4M |
| Vision | VISION SERVICE PLAN | 114 | $24K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE LIFE INSURANCE COMPANY | 362 | $68K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $18K |
| Prescription drug(2 contracts) | HEALTH NOW ADMINISTRATIVE SERVICES | 300 | $3.4M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE CO | 212 | $641K |
| Other(3 contracts, 2 carriers) | RELIANCE LIFE INSURANCE COMPANY | 362 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.