| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 17.08% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 9.75% |
| CORPORATE BENEFITS ALLIANCE3 | 23123 VENTURA BLVD. WOODLAND HILLS, CA 91364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.17% |
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 17.32% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.60% |
| CORPORATE BENEFITS ALLIANCE3 | 23123 VENTURA BLVD. WOODLAND HILLS, CA 91364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $756 | — | $756 | 3.07% |
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 16.99% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.80% |
| CORPORATE BENEFITS ALLIANCE3 | 23123 VENTURA BLVD. WOODLAND HILLS, CA 91364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $667 | — | $667 | 3.20% |
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 16.92% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.85% |
| CORPORATE BENEFITS ALLIANCE3 | 23123 VENTURA BLVD. WOODLAND HILLS, CA 91364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $350 | — | $350 | 3.24% |
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 16.88% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.88% |
| CORPORATE BENEFITS ALLIANCE3 | 23123 VENTURA BLVD. WOODLAND HILLS, CA 91364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $343 | — | $343 | 3.25% |
| CB AUTHORITY3 | P.O. BOX 1100 AGOURA HILLS, CA 91376 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.54% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $780 | — | $780 | 9.48% |
| CORPORATE BENEFITS ALLIANCE3 | 23123 VENTURA BLVD. WOODLAND HILLS, CA 91364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $246 | — | $246 | 2.99% |
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 | 315 | 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) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5 | $21K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 17 | $33K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 27 | $25K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 56 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 56 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.