| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.21% |
| BARKER PHILLIPS JACKSON INC3 | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $1K | $2K | 8.02% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $641 | $2K | 7.12% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $400 | $400 | 1.32% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.96% |
| BARKER PHILLIPS JACKSON INC3 | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $609 | $702 | $1K | 8.70% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $754 | $351 | $1K | 7.33% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $219 | $219 | 1.45% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.24% |
| BARKER PHILLIPS JACKSON INC3 | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $563 | $738 | $1K | 8.69% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $749 | $369 | $1K | 7.47% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $231 | $231 | 1.54% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 18.58% |
| BARKER PHILLIPS JACKSON INC3 | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $454 | $226 | $680 | 9.60% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $354 | $113 | $467 | 6.59% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $71 | $71 | 1.00% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $707 | $0 | $707 | 11.10% |
| BARKER PHILLIPS JACKSON INC3 | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $249 | $272 | $521 | 8.18% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $319 | $136 | $455 | 7.14% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $85 | $85 | 1.33% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $705 | $0 | $705 | 11.15% |
| BARKER PHILLIPS JACKSON INC3 | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $244 | $235 | $479 | 7.58% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $316 | $118 | $434 | 6.86% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $73 | $73 | 1.15% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $158 | $0 | $158 | 10.88% |
| BARKER PHILLIPS JACKSON INC3 | 1637 S. ENTERPRISE SPRINGFIELD, MO 65808 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $60 | $55 | $115 | 7.92% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $73 | $27 | $100 | 6.89% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $17 | $17 | 1.17% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 149 | $21K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 57 | $15K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 41 | $30K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 149 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.