| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYMPL BENEFITS INSURANCE AGENCY3 | 460 ADA DR. SUITE 222 ADA, MI 49301 | RELIANCE MATRIX | $15K | — | $15K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE MATRIX | $8K | — | $8K | 5.00% |
| SYMPL BENEFITS INSURANCE AGENCY3 Filed as: SYMPL BENEFITS INSURANCE AGENCY LLC | 460 ADA DR. SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| SYMPL BENEFITS INSURANCE AGENCY3 Filed as: SYMPL BENEFITS INSURANCE AGENCY LLC | 460 ADA DRIVE SE SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| SYMPL BENEFITS INSURANCE AGENCY3 Filed as: SYMPL BENEFITS INSURANCE AGENCY LLC | 460 ADA DRIVE SE SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $954 | — | $954 | 5.00% |
| SYMPL BENEFITS INSURANCE AGENCY3 Filed as: SYMPL BENEFITS INSURANCE AGENCY LLC | 460 ADA DRIVE SE SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $606 | — | $606 | 5.00% |
| SYMPL BENEFITS INSURANCE AGENCY3 Filed as: SYMPL BENEFITS INSURANCE AGENCY LLC | 460 ADA DR. SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $480 | — | $480 | 5.01% |
| SYMPL BENEFITS INSURANCE AGENCY3 Filed as: SYMPL BENEFITS INSURANCE AGENCY LLC | 460 ADA DRIVE SE SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $341 | — | $341 | 5.00% |
| SYMPL BENEFITS INSURANCE AGENCY3 Filed as: SYMPL BENEFITS INSURANCE AGENCY LLC | 460 ADA DR. SUITE 222 ADA, MI 49301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $731 | — | $731 | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $244 | — | $244 | 5.01% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE MATRIX | 365 | $152K |
| Vision | RELIANCE MATRIX | 365 | $152K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $64K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $19K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 90 | $35K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 269 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.