| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING | 233 EAST BAY ST SUITE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE COMPANY | $155K | — | $155K | 19.50% |
| WHD, LLC3 Filed as: WHD | 415 HOPKINS STREET NEPTUNE BEACH, FL 32266 | AETNA LIFE INSURANCE COMPANY | $46K | — | $46K | 5.85% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48K | — | $48K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 5.82% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1125 SANCUTARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.66% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $46K | — | $46K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 5.82% |
| BENEFIT ADVISORS SERVICS GROUP, LLC3 | 1125 SANCUTARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.66% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33K | — | $33K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 5.80% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1125 SANCUTARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $852 | $852 | 0.65% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 5.85% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1125 SANCUTARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $645 | $645 | 0.67% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE COMPANY | $14K | — | $14K | 23.76% |
| WHD, LLC3 Filed as: WHD | 415 HOPKINS STREET NEPTUNE BEACH, FL 32266 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.03% |
| SEE ATTACHED LIST3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $4K | $16K | 28.80% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $479 | — | $479 | 5.85% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1125 SANCUTARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $55 | $55 | 0.67% |
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 | 429 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 886 | $59K |
| Vision | AETNA LIFE INSURANCE COMPANY | 886 | $59K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 547 | $227K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 547 | $185K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 547 | $193K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 547 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 886 | — |
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.