| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD, STE 300 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY (RELIANCE MATRIX) | $16K | — | $16K | 5.71% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD, STE 300 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33K | $8K | $42K | 18.71% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD, STE 300 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | $5K | $26K | 18.75% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IA 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD, STE 300 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $3K | $16K | 18.61% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD, STE 300 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.08% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD, STE 300 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.68% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF MISSOURI, LLC | 12645 OLIVE BLVD, STE 300 SAINT LOUIS, MO 63141 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $935 | $242 | $1K | 18.89% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $312 | — | $312 | 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 | 428 | 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) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY (RELIANCE MATRIX) | 899 | $289K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY (RELIANCE MATRIX) | 899 | $289K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 503 | $222K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 415 | $138K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $86K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 427 | $1.2M |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 503 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 899 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.