| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M L GLISSON & ASSOCIATES INC.3 | 11161 E STATE ROAD 70 SUITE 110-144 LAKEWOOD RANCH, FL 34202 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $40K | $47K | 4.32% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $13K | $15K | 1.38% |
| M L GLISSON & ASSOCIATES INC.3 | 11161 E STATE ROAD 70 SUITE 110-144 LAKEWOOD RANCH, FL 34202 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 3.83% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 1.40% |
| M L GLISSON & ASSOCIATES INC.3 | 9080 58TH DRIVE EAST #200 BRADENTON, FL 34202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 11.13% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $475 | $4K | 5.65% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.87% |
| M L GLISSON & ASSOCIATES INC.3 | 9080 58TH DRIVE EAST #200 BRADENTON, FL 34202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.15% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $347 | $3K | 5.64% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.85% |
| M L GLISSON & ASSOCIATES INC.3 | 9080 58TH DRIVE EAST #200 BRADENTON, FL 34202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $586 | $0 | $586 | 11.07% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $265 | $28 | $293 | 5.54% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $208 | $0 | $208 | 3.93% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 341 | $1.3M |
| Dental(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 341 | $1.3M |
| Vision(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 341 | $1.3M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $54K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 192 | $73K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 193 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.