| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARLES L CRANE AGENCY CO | 100 S. FOURTH STREET #800 SAINT LOUIS, MO 63102 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.13% |
| GIS BENEFITS INC Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $301 | — | $301 | 5.00% |
| GIS BENEFITS INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $47 | — | $47 | 6.03% |
| GIS BENEFITS INC Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39 | — | $39 | 5.00% |
| CHARLES L CRANE AGENCY CO | 100 NORTH BROADWAY SUITE 900 ST LOUIS, MO 63102 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31 | — | $31 | 3.97% |
| GIS BENEFITS INC Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34 | — | $34 | 5.05% |
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 | 234 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 149 | $1.8M |
| Dental | HUMANA INSURANCE COMPANY | 180 | $144K |
| Vision(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 149 | $1.8M |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $47K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 228 | $7K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $115K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 32 | $780 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.