| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $65K | $65K | 5.74% |
| GROUP BENEFITS LLC -- TIM FINNELL3 | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | DELTA DENTAL OF TENNESSEE | $4K | $0 | $4K | 4.99% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.07% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $402 | $402 | 1.29% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $322 | $322 | 1.03% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.94% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $936 | $936 | 3.82% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $749 | $749 | 3.06% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $853 | $0 | $853 | 4.15% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $242 | $242 | 1.18% |
| GIS BENEFITS INC3 | 422 WUAPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $194 | $194 | 0.94% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $786 | $0 | $786 | 4.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $460 | $460 | 2.40% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $368 | $368 | 1.92% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD INSURANCE COMPANY | $866 | — | $866 | 9.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | $365 | — | $365 | 4.21% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD INSURANCE COMPANY | — | $108 | $108 | 1.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD INSURANCE COMPANY | — | $86 | $86 | 0.99% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $729 | — | $729 | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $301 | — | $301 | 4.13% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $108 | $108 | 1.48% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $86 | $86 | 1.18% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $648 | — | $648 | 10.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $271 | — | $271 | 4.18% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $77 | $77 | 1.19% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $61 | $61 | 0.94% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $132 | — | $132 | 14.95% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37 | — | $37 | 4.19% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 3 PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $30 | $30 | 3.40% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $24 | $24 | 2.72% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 363 | $1.1M |
| Dental | DELTA DENTAL OF TENNESSEE | 225 | $78K |
| Vision | VISION SERVICE PLAN | 109 | $26K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $21K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 124 | $31K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.