| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JACOB O'KEEFE3 | 3530 STEWART AVE WAUSAU, WI 54401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 8.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| JACOB O'KEEFE3 | 3530 STEWART AVENUE WAUSAU, WI 54401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1K | $8K | 9.35% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $917 | $5K | 6.04% |
| JACOB O'KEEFE3 | 3530 STEWART AVENUE WAUSAU, WI 54401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $776 | $11K | 16.12% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $618 | $4K | 5.91% |
| JACOB O'KEEFE3 | 2405 SCHOFIELD AVENUE STE. 240 WAUSAU, WI 54401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $355 | $5K | 21.43% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $264 | $2K | 6.09% |
| JACOB O'KEEFE3 | 3530 STEWART AVENUE WAUSAU, WI 54401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $269 | $5K | 26.44% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $936 | $204 | $1K | 6.11% |
| JACOB O'KEEFE3 | 3530 STEWART AVENUE WAUSAU, WI 54401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $262 | $4K | 21.41% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $933 | $198 | $1K | 6.09% |
| JACOB O'KEEFE3 | 2405 SCHOFIELD AVENUE STE. 240 WESTON, WI 54476 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MARK METTILLE3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $644 | — | $644 | 5.00% |
| JACOB O'KEEFE3 | 3530 STEWART AVENUE WAUSAU, WI 54401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $692 | $90 | $782 | 11.31% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $347 | $70 | $417 | 6.03% |
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 | 409 | 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) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 385 | $172K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 385 | $172K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 457 | $69K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $89K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 95 | $19K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 457 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.