| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 285 COZZINS STREET COLUMBUS, OH 43215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $17K | $17K | 3.51% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, IL 44286 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.66% |
| UNKNOWN3 | 475 FALLBROOK BOULEVARD LINCOLN, NE 68521 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.73% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.42% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY RICHFIELD, OH 44286 | VISION SERVICE PLAN | $6K | $0 | $6K | 8.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 9500 KOGER AVENUE, SUITE 200 SAINT PETERSBURG, FL 33702 | METLAW | $478 | $0 | $478 | 11.62% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | METLAW | $411 | $0 | $411 | 9.99% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $474K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 244 | $129K |
| Vision | VISION SERVICE PLAN | 489 | $71K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 244 | $129K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 244 | $129K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 244 | $129K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 92 | $474K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 244 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.