| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVARE HEALTH PLAN GROUP, INC3 Filed as: INNOVARE HEALTH PLAN GROUP DBA HPMG | — | BERKLEY LIFE & HEALTH INSURANCE CO | $53K | — | $53K | 14.47% |
| SHOW ME HEALTH ADMINSTRATORS LLC3 | — | BERKLEY LIFE & HEALTH INSURANCE CO | $47K | — | $47K | 12.90% |
| OPTUM3 Filed as: OPTUM HEALTH MTP | — | BERKLEY LIFE & HEALTH INSURANCE CO | $26K | — | $26K | 7.11% |
| VALENZ3 Filed as: VALENZ CARE DBA INETICO LLC | — | BERKLEY LIFE & HEALTH INSURANCE CO | $17K | — | $17K | 4.69% |
| MERCY BENEFIT ADMINISTRATORS3 Filed as: MERCY BENEFITS ADMINISTRATORS | — | BERKLEY LIFE & HEALTH INSURANCE CO | $3K | — | $3K | 0.76% |
| INNOVARE HEALTH PLAN GROUP, INC3 Filed as: INNOVARE HEALTH PLAN GROUP INC | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPANSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| INNOVARE HEALTH PLAN GROUP, INC3 Filed as: INNOVARE HEALTH PLAN GROUP | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 8.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $673 | $673 | 0.93% |
| INNOVARA HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $333 | $333 | 0.98% |
| INNOVARE HEALTH PLAN GROUP, INC3 Filed as: INNOVARE HEALTH PLAN GROUP | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| GIS BENEFITS INC Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $234 | $234 | 1.02% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 25.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $880 | — | $880 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $184 | $184 | 1.05% |
| INNOVARE HEALTH PLAN GROUP, INC3 Filed as: INNOVARE HEALTH PLAN GROUP | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $678 | — | $678 | 5.23% |
| GIS BENEFITS INC Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $127 | $127 | 0.98% |
| INNOVARE HEALTH PLAN GROUP, INC3 | 5060 S BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD LIFE INSURANCE COMPAMY | $549 | $275 | $824 | 12.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPAMY | $343 | — | $343 | 5.00% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPAMY | — | $66 | $66 | 0.96% |
| INNOVARE HEALTH PLAN GROUP, INC | 5060 BARNES CT SPRINGFIELD, MO 65804 | RELIANCE STANDARD | $1K | — | $1K | 15.00% |
| GIS BENEFITS INC | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $341 | — | $341 | 5.00% |
| GIS BENEFITS INC Filed as: GIS | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | — | $12 | $12 | 0.18% |
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 | 429 | 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) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 429 | $112K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 429 | $112K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 251 | $72K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 58 | $34K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 32 | $23K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INSURANCE CO | 224 | $364K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 155 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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.