| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $660 | $9K | 21.57% |
| CORPORATE BENEFITS ALLIANCE3 | 23123 VENTURA BLVD. WOODLAND HILLS, CA 91364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $492 | $7K | 21.49% |
| CORPORATE BENEFITS ALLIANCE3 | 23123 VENTURA BLVD. WOODLAND HILLS, CA 91364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $416 | $6K | 21.40% |
| CORPORATE BENEFITS ALLIANCE3 | 23123 VENTURA BLVD. WOODLAND HILLS, CA 91364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $216 | $3K | 21.41% |
| CORPORATE BENEFITS ALLIANCE3 | 23123 VENTURA BLVD. WOODLAND HILLS, CA 91364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $211 | $3K | 21.39% |
| CORPORATE BENEFITS ALLIANCE3 | 23123 VENTURA BLVD. WOODLAND HILLS, CA 91364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $165 | $2K | 18.53% |
| CORPORATE BENEFITS ALLIANCE3 | 23123 VENTURA BLVD. WOODLAND HILLS, CA 91364 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $864 | — | $864 | 8.00% |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 98 | $110K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 98 | $110K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4 | $30K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 19 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 31 | $33K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 72 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.