| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES L CRANE AGENCY CO Filed as: CHARLES L. CRANE AGENCY CO | 400 CHESTERFIELD CENTER, SUITE 100 CHESTERFIELD, MO 63017 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | — | $2K | $2K | 0.13% |
| GIS BENEFITS INC Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| GIS BENEFITS INC Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $257 | $257 | 0.34% |
| GIS BENEFITS INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $571 | — | $571 | 6.00% |
| GIS BENEFITS INC Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $476 | — | $476 | 5.00% |
| CHARLES L CRANE AGENCY CO | 400 CHESTERFIELD CENTER SUITE 100 CHESTERFIELD, MO 63017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $224 | — | $224 | 2.35% |
| GIS BENEFITS INC Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $32 | $32 | 0.34% |
| GIS BENEFITS INC Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $425 | — | $425 | 5.00% |
| GIS BENEFITS INC Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $29 | $29 | 0.34% |
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 | 225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 187 | $2.0M |
| Dental | HUMANA INSURANCE COMPANY | 169 | $137K |
| Vision | HUMANA INSURANCE COMPANY | 131 | $19K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 225 | $76K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 225 | $84K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 211 | $107K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.