| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF TEXAS | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 750016407 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $568 | $3K | 8.77% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY | P. O. BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $962 | $962 | 3.00% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MCGRIFE SEIBELS & WILLIAMS OF TEXAS | 5080 SPECTRUM DRIVE SUITE 900E ADDISON, TX 750016407 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $423 | $5K | 21.77% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | P. O. BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $719 | $719 | 3.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS & WILLIAMS OF TX | 5080 SPECTRUM DRIVE, SUITE 900E ADDISON, TX 75001 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $366 | $4K | 18.77% |
| THE BENEFIT COMPANY INC5 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $618 | $618 | 3.00% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $53K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $24K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.