| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J W TERRILL A MARSH & MCLENNAN AGEN | 825 MARYVILLE CENTRE DR STE 200 CHESTERFIELD, MO 63017 | METLIFE | $6K | $0 | $6K | 9.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | METLIFE | $595 | $0 | $595 | 1.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METLIFE | -$2K | $0 | -$2K | -2.84% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE CHESTERFIELD, MO 63017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $607 | $3K | 18.50% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $867 | $243 | $1K | 6.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $564 | $3K | 18.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $808 | $226 | $1K | 6.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $433 | $2K | 18.74% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $579 | $173 | $752 | 6.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $305 | $2K | 23.73% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $409 | $122 | $531 | 6.49% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $227 | $1K | 24.23% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $269 | $91 | $360 | 6.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $885 | $230 | $1K | 25.21% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $221 | $92 | $313 | 7.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 825 MARYVILLE CENTRE DR #200 CHESTERFIELD, MO 63017 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $273 | $61 | $334 | 18.32% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $91 | $24 | $115 | 6.31% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METLIFE | 173 | $59K |
| Vision | METLIFE | 173 | $59K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 62 | $17K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 56 | $12K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 42 | $16K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.