| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | CREATIVE BENEFITS, INC 700 EAST GATE DRIVE SUITE 115 MT LAUREL TOWNSHIP, NJ 08054 | PERSONAL CHOICE | $275K | — | $275K | 5.74% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $61K | — | $61K | 23.22% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 5.37% |
| CREATIVE BENEFITS, INC.3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE, SUITE 190 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 1.77% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $49K | — | $49K | 18.74% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 5.35% |
| CREATIVE BENEFITS, INC.3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE, SUITE 190 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.26% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $46K | — | $46K | 23.33% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 5.36% |
| CREATIVE BENEFITS, INC.3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE, SUITE 190 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 1.67% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 14.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 5.30% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 4.92% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 9.36% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| CREATIVE BENEFITS, INC.3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE, SUITE 190 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $818 | — | $818 | 0.64% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 17.13% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 11.94% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.38% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$5K | — | -$5K | -6.40% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 16.66% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 8.79% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.14% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 3809 WEST CHESTER PIKE SUITE 205 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 23.44% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.58% |
| CREATIVE BENEFITS, INC.3 | ELLIS PRESERVE 3809 WEST CHESTER PIKE, SUITE 190 NEWTOWN SQUARE, PA 19073 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $737 | — | $737 | 1.56% |
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 | 768 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PERSONAL CHOICE | 725 | $4.8M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 381 | $195K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 764 | $391K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 344 | $263K |
| Prescription drug | RXBENEFITS, INC. | 768 | $1.9M |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 422 | $834K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 768 | — |
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.