| 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 | $4K | $0 | $4K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $302 | $2K | 6.06% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $702 | $150 | $852 | 6.07% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $676 | $151 | $827 | 6.12% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $533 | $0 | $533 | 5.00% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 25.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $378 | $71 | $449 | 5.94% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $928 | $0 | $928 | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $309 | $63 | $372 | 6.01% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $876 | $0 | $876 | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $292 | $64 | $356 | 6.10% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $197 | $0 | $197 | 15.04% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $66 | $15 | $81 | 6.18% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 158 | $20K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 55 | $14K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 48 | $29K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 158 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.