| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUZANNE MONTEITH3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 4.03% |
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $370 | $10K | 15.57% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.24% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $2K | $10K | 23.35% |
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $730 | $195 | $925 | 2.16% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 12.50% |
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $316 | $2K | 10.77% |
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $388 | $2K | 10.47% |
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $643 | $24 | $667 | 15.55% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $182 | — | $182 | 4.24% |
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $509 | — | $509 | 14.99% |
| US NATIONAL BENEFIT PARTNERS3 | 99 WOOD AVENUE SOUTH ISELIN, CA 08830 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $170 | — | $170 | 5.01% |
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 | 385 | 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) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 392 | $192K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 392 | $192K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 262 | $68K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.