| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 12.50% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $794 | $794 | 1.50% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $397 | $397 | 0.75% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $760 | $760 | 1.50% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $324 | $324 | 0.64% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $149 | $447 | $596 | 6.02% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $127 | $127 | 1.50% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $293 | $0 | $293 | 9.99% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $44 | $44 | 1.50% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $19 | $19 | 0.65% |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $10K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $51K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 106 | — |
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.