| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 750 THIRD AVE- SUITE 1500 NEW YORK, NY 10017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 8.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1 W. 4TH STEET, SUITE #1300 CINCINNATI, OH 45202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 750 THIRD AVENUE - SUITE 1500 NEW YORK, NY 10017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 9.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1 W. 4TH STREET, SUITE #1300 CINCINNATI, OH 45202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$52 | — | -$52 | -0.05% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 750 THIRD AVENUE-SUITE 1500 NEW YORK, NY 10017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 27.48% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1 W 4TH STREET, SUITE #1300 CINCINNATI, OH 45202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 7.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD. ROLLING MEADOWS, IL 60008 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. COMPANY | $4K | — | $4K | 9.61% |
| RSC INSURANCE BROKERAGE INC3 | 750 THIRD AVE - SUITE 1500 NEW YORK, NY 10017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 16.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 1 W 4TH STREET, SUITE #1300 CINCINNATI, OH 45202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.82% |
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 | 852 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. COMPANY | 412 | $38K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 852 | $155K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 990 | $115K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 852 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 990 | — |
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.