| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION BENEFITS LLC3 Filed as: FOUNDATION BENEFITS, LLC | P. O. BOX 85 WEST, TX 76691 | RELIANCE STANDARD | $24K | $0 | $24K | 15.01% |
| FOUNDATION BENEFITS LLC3 Filed as: FOUNDATION BENEFITS, LLC | P. O. BOX 85 WEST, TX 76691 | RELIANCE STANDARD | $27K | $0 | $27K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD | $7K | $0 | $7K | 5.00% |
| FOUNDATION BENEFITS LLC3 Filed as: FOUNDATION BENEFITS, LLC | P. O. BOX 85 WEST, TX 76691 | RELIANCE STANDARD | $9K | $0 | $9K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD | $2K | $0 | $2K | 5.00% |
| FOUNDATION BENEFITS LLC3 Filed as: FOUNDATION BENEFITS, LLC | P. O. BOX 85 WEST, TX 76691 | RELIANCE STANDARD | $9K | $0 | $9K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD | $2K | $0 | $2K | 5.00% |
| FOUNDATION BENEFITS LLC3 Filed as: FOUNDATION BENEFITS, LLC | P. O. BOX 85 WEST, TX 76691 | RELIANCE STANDARD | $3K | $0 | $3K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD | $719 | $0 | $719 | 5.00% |
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 | 1,031 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,031 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD | 1,031 | $158K |
| Vision | RELIANCE STANDARD | 1,031 | $158K |
| Life insurance | RELIANCE STANDARD | 732 | $135K |
| Short-term disability | RELIANCE STANDARD | 134 | $46K |
| Long-term disability | RELIANCE STANDARD | 150 | $47K |
| Other(2 contracts) | RELIANCE STANDARD | 732 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,031 | — |
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.