| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RCR FINANCIAL SERVICES INC3 Filed as: RCR FINANCIAL SERVICES INC. | 100 RIVERVIEW DRIVE, STE 204 SAVANNAH, GA 31404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | — | $53K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $18K | $18K | 5.00% |
| RCR FINANCIAL SERVICES INC3 Filed as: RCR FINANCIAL SERVICES INC. | 100 RIVERVIEW DRIVE, STE 204 SAVANNAH, GA 31404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST. MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| RCR FINANCIAL SERVICES INC3 Filed as: RCR FINANCIAL SERVICES INC. | 100 RIVERVIEW DRIVE, STE 204 SAVANNAH, GA 31404 | UNUM INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| RCR FINANCIAL SERVICES INC3 Filed as: RCR FINANCIAL SERVICES INC. | 100 RIVERVIEW DRIVE, STE 204 SAVANNAH, GA 31404 | UNUM INSURANCE COMPANY | $3K | — | $3K | 20.04% |
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 | 441 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 588 | $40K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $414K |
| Short-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $448K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 470 | $351K |
| Other(2 contracts) | BERKLEY LIFE AND HEALTH INSURANCE COMPANY | 438 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 588 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.