| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.35% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | RESERVE NATIONAL INSURANCE COMPANY | $4K | — | $4K | 14.35% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | RESERVE NATIONAL INSURANCE COMPANY | $4K | — | $4K | 12.52% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | RESERVE NATIONAL INSURANCE COMPANY | $2K | — | $2K | 6.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $987 | — | $987 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST. MORRIS, IA 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $900 | — | $900 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $879 | $176 | $1K | 6.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MD | 1311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $422 | $2K | 20.14% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $410 | $211 | $621 | 7.58% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 30 MILL STREET UNIONVILLE, CT 06085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $211 | $211 | 2.57% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MD | 1311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $282 | $1K | 19.19% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $337 | $141 | $478 | 7.10% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 30 MILL STREET UNIONVILLE, CT 06085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $141 | $141 | 2.09% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $559 | — | $559 | 8.90% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $383 | — | $383 | 6.10% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORISS, IL 60450 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $188 | — | $188 | 2.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MD | 1311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $870 | $282 | $1K | 19.86% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $290 | $141 | $431 | 7.43% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 30 MILL STREET UNIONVILLE, CT 06085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $141 | $141 | 2.43% |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $78K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 131 | $78K |
| Life insurance(4 contracts, 2 carriers) | RESERVE NATIONAL INSURANCE COMPANY | 270 | $71K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 108 | $35K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 44 | $26K |
| Other(3 contracts, 3 carriers) | RESERVE NATIONAL INSURANCE COMPANY | 270 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.