| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $14K | $14K | 4.60% |
| FARMERS UNION SERVICE ASSOCIATION3 | PO BOX 2020 JAMESTOWN, ND 58401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 4.09% |
| FARMERS UNION SERVICE ASSOCIATION3 | PO BOX 2020 JAMESTOWN, ND 58401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 13.78% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.59% |
| FARMERS UNION SERVICE ASSOCIATION3 | PO BOX 2020 JAMESTOWN, ND 58401 | UNUM INSURANCE COMPANY | $3K | — | $3K | 13.77% |
| GIS BENEFITS INC Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $973 | $973 | 4.59% |
| FARMERS UNION SERVICE ASSOCIATION3 | PO BOX 2020 JAMESTOWN, ND 58401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| FARMERS UNION SERVICE ASSOCIATION | PO BOX 2020 JAMESTOWN, ND 58401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| FARMERS UNION SERVICE ASSOCIATION3 | PO BOX 2020 JAMESTOWN, ND 58401 | UNUM INSURANCE COMPANY | $1K | — | $1K | 11.08% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $492 | $492 | 4.61% |
| FARMERS UNION SERVICE ASSOCIATION3 | PO BOX 2020 JAMESTOWN, ND 58401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 13.65% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $507 | $507 | 4.90% |
| FARMERS UNION SERVICE ASSOCIATION3 | PO BOX 2020 JAMESTOWN, ND 58401 | UNUM INSURANCE COMPANY | $1K | — | $1K | 11.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM INSURANCE COMPANY | — | $456 | $456 | 4.63% |
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 | 236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $360K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $306K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 236 | $327K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 125 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.