| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | HEALTH OPTIONS | $29K | — | $29K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | BLUE CROSS BLUE SHIELD OF FLORIDA | $21K | — | $21K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $648 | $7K | 16.42% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $259 | $3K | 5.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $517 | $6K | 16.36% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $207 | $2K | 5.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $452 | $5K | 16.45% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $181 | $2K | 5.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $308 | $4K | 21.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | — | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $123 | $1K | 5.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $223 | $3K | 21.43% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $782 | $89 | $871 | 5.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $214 | $2K | 16.43% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $748 | $86 | $834 | 5.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $87 | $1K | 16.29% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $336 | $35 | $371 | 5.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 655 N. FRANKLIN STREET, SUITE 1900 TAMPA, FL 33602 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $776 | $73 | $849 | 16.41% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $259 | $29 | $288 | 5.57% |
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. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 62 | $1.2M |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 88 | $61K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 88 | $61K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 19 | $7K |
| Prescription drug | HEALTH OPTIONS | 62 | $716K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $133K |
| 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.