| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EST BAY ST JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 1.32% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EST BAY ST JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE COMPANY | $31K | — | $31K | 22.58% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EST BAY ST SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| BENEFIT ADVISORS SERV. GROUP LLC3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $690 | $690 | 1.00% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EST BAY ST STE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| BENEFIT ADVISORS SERV. GROUP LLC3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $237 | $237 | 1.00% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EST BAY ST STE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $978 | — | $978 | 5.00% |
| BENEFIT ADVISORS SERV. GROUP LLC3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $195 | $195 | 1.00% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EST BAY ST STE 630 JACKSONVILLE, FL 32202 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $90 | $1K | 18.26% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EST BAY ST STE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $103 | — | $103 | 25.06% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21 | — | $21 | 5.11% |
| BENEFIT ADVISORS SERV. GROUP LLC3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4 | $4 | 0.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC EIN 47-4197197 BROKER | Insurance agents and brokers Service code 22 | 233 EST BAY ST JACKSONVILLE, FL 32202 | $33K |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 126 | $814K |
| Dental | AETNA LIFE INSURANCE COMPANY | 126 | $814K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 62 | $6K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $20K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $24K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 852 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 852 | — |
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.