| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE UNDERWRITING PARTNERS | 101 EAST LANCASTER AVENUE SUITE 301 WAYNE, PA 19087 | SYMETRA LIFE INSURANCE COMPANY | $94K | $43K | $137K | 14.94% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | $2K | $31K | 18.08% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $650 | $10K | 6.03% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.18% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | $2K | $36K | 23.30% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $545 | $9K | 6.03% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.16% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $828 | $21K | 23.39% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $259 | $5K | 5.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.48% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $883 | $8K | 11.19% |
| ASSUREDPARTNERS3 Filed as: FORESTER BENFITS MANAGEMENT LLC | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.78% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.22% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 19.00% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.00% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $395 | $4K | 15.40% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $212 | $4K | 12.75% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $434 | $4K | 15.70% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $233 | $3K | 12.92% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 28.00% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $945 | — | $945 | 5.00% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $122 | $4K | 23.96% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $623 | $38 | $661 | 3.63% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $598 | — | $598 | 3.29% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $730 | — | $730 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $454 | $454 | 3.11% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $631 | — | $631 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $401 | $401 | 3.18% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 25.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $434 | — | $434 | 5.00% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $624 | — | $624 | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $312 | — | $312 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $201 | $201 | 3.22% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $992 | — | $992 | 27.99% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $425 | — | $425 | 11.99% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $230 | $230 | 6.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $177 | — | $177 | 4.99% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $565 | — | $565 | 24.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $113 | — | $113 | 5.00% |
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 | 773 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 777 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 361 | $100K |
| Short-term disability(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 761 | $246K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 329 | $187K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 606 | $915K |
| Other(13 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 606 | $399K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 761 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.