| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LANE #178 MINNEAPOLIS, MN 55447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 14.11% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.62% |
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LANE #178 MINNEAPOLIS, MN 55447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.69% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.35% |
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LANE #178 MINNEAPOLIS, MN 55447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.91% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 4.45% |
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LANE #178 MINNEAPOLIS, MN 55447 | STARMOUNT LIFE INSURANCE COMPANY | $2K | — | $2K | 8.72% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | — | $848 | $848 | 4.36% |
| 20/20 ADVISOR GROUP3 Filed as: 20/20 ADVISOR GROUP LLC | 3500 VICKSBURG LANE #178 MINNEAPOLIS, MN 55447 | UNUM INSURANCE COMPANY | $2K | — | $2K | 13.17% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $772 | $772 | 4.81% |
| 20/20 ADVISOR GROUP3 Filed as: 20/20 ADVISOR GROUP LLC | 3500 VICKSBURG LANE #178 MINNEAPOLIS, MN 55447 | UNUM INSURANCE COMPANY | $2K | — | $2K | 11.76% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $750 | $750 | 4.87% |
| 20-20 ADVISORY GROUP LLC3 Filed as: 20/20 ADVISORY GROUP LLC | 3500 VICKSBURG LANE #178 MINNEAPOLIS, MN 55447 | UNUM INSURANCE COMPANY | $921 | — | $921 | 7.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $659 | $659 | 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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 251 | $19K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $108K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $78K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $156K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.