| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE RESOURCE GROUP INC3 | 106 OIL CENTER DRIVE 250 LAFAYETTE, LA 705032459 | BLUE CROSS BLUE SHIELD OF LOUISIANA | $33K | $21K | $54K | 5.75% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC. | 106 OIL CENTER DRIVE STE 250 LAFAYETTE, LA 705032459 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| INSURANCE RESOURCE GROUP INC3 | 106 OIL CENTER DRIVE 250 LAFAYETTE, LA 705032459 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $358 | $2K | 5.86% |
| INSURANCE RESOURCE GROUP INC3 | 106 OIL CENTER DRIVE 2015 LAFAYETTE, LA 705032459 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $2K | $8K | 20.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $339 | $2K | 5.90% |
| INSURANCE RESOURCE GROUP INC3 | 106 OIL CENTER DRIVE 250 LAFAYETTE, LA 705032459 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $216 | $2K | 5.82% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP INC. | 106 OIL CENTER DRIVE 250 LAFAYETTE, LA 705032459 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $428 | $2K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $428 | $76 | $504 | 5.89% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC | 106 OIL CENTER DRIVE 250 LAFAYETTE, LA 705032459 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $875 | $292 | $1K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $292 | $42 | $334 | 5.72% |
| INSURANCE RESOURCE GROUP INC3 Filed as: INSURANCE RESOURCE GROUP, INC | 106 OIL CENTER DRIVE 250 LAFAYETTE, LA 705032459 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $854 | $285 | $1K | 19.98% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $285 | $52 | $337 | 5.91% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF LOUISIANA | 132 | $938K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $82K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 105 | $82K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $26K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 38 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 84 | $38K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF LOUISIANA | 132 | $938K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.