| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LN #178 MINNEAPOLIS, MN 55447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 11.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 7.52% |
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LN #178 MINNEAPOLIS, MN 55447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 14.71% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 6.72% |
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LN #178 MINNEAPOLIS, MN 55447 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.90% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 7.45% |
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LN #178 MINNEAPOLIS, MN 55447 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 10.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | — | $2K | $2K | 7.50% |
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LN #178 MINNEAPOLIS, MN 55447 | UNUM INSURANCE COMPANY | $2K | — | $2K | 6.88% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $1K | $1K | 4.92% |
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LN #178 MINNEAPOLIS, MI 55447 | UNUM INSURANCE COMPANY | $3K | — | $3K | 11.45% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $1K | $1K | 5.20% |
| 20/20 ADVISOR GROUP3 | 3500 VICKSBURG LN #178 MINNEAPOLIS, MN 55447 | UNUM INSURANCE COMPANY | $2K | — | $2K | 11.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $1K | $1K | 5.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STRATACOR EIN 41-1852523 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $22K |
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 | 436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 279 | $25K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $136K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $98K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 203 | $84K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.