| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON, REID LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 0.97% |
| CORPORATE BENEFIT CONSULTANTS3 | 8500 BROOKTREE ROAD WEXFORD, PA 15090 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 0.50% |
| 360 CORP. BEN. ADVISORS3 Filed as: CORP BENEFITS CONSULTANTS | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 16.13% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| CORPORATE BENEFITS CONSULTANTS INC3 | 8500 BROOKTREE ROAD SUITE 305 WEXFORD, PA 15090 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $840 | — | $840 | 5.00% |
| CORPORATE BENEFITS CONSULTANTS INC3 | 8500 BROOKTREE ROAD SUITE 305 WEXFORD, PA 15090 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 13.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $691 | — | $691 | 5.00% |
| CORPORATE BENEFITS CONSULTANTS INC3 | 8500 BROOKTREE ROAD SUITE 305 WEXFORD, PA 15090 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $731 | — | $731 | 9.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $366 | — | $366 | 5.00% |
| CORPORATE BENEFITS CONSULTANTS INC3 | 8500 BROOKTREE ROAD SUITE 305 WEXFORD, PA 15090 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $768 | — | $768 | 15.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $256 | — | $256 | 5.00% |
| CORPORATE BENEFITS CONSULTANTS INC3 | 8500 BROOKTREE ROAD SUITE 305 WEXFORD, PA 15090 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $256 | — | $256 | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $64 | — | $64 | 5.00% |
| CORPORATE BENEFITS CONSULTANTS INC3 | 8500 BROOKTREE ROAD SUITE 305 WEXFORD, PA 15090 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $182 | — | $182 | 20.04% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45 | — | $45 | 4.96% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 184 | $1.0M |
| Dental | AETNA LIFE INSURANCE CO. | 184 | $1.0M |
| Vision | AETNA LIFE INSURANCE CO. | 184 | $1.0M |
| Life insurance(3 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 106 | $56K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 106 | $60K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 106 | $57K |
| Other(5 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 106 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.