| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFITS ALLIANCE3 | 23123 VENTURA BLVD. WOODLAND HILLS, CA 91364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 7.78% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 2.22% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $2K | $14K | 24.13% |
| CORPORATE BENEFITS ALLIANCE3 | 23123 VENTURA BLVD. WOODLAND HILLS, CA 91364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 11.33% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $552 | $3K | 6.24% |
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.67% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $7K | 25.47% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $466 | $3K | 13.72% |
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $238 | — | $238 | 1.27% |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 455 | $131K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 455 | $131K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 262 | $44K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.