| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA, INC. | P.O. BOX 9201 ROANOKE, VA 24028 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 12.14% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN | BENEFIT ADMINISTRATORS, INC. PO BOX 9201 BLDG I STE 100 AUSTIN, TX 78766 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | — | SIMNSA | $2K | $0 | $2K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD. STE 100 AUSTIN, TX 02125 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 17.12% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $418 | $0 | $418 | 5.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | DBA CAC SPEC 416 WEST 13TH STREET STE 303 NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $241 | $0 | $241 | 2.88% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $146 | $146 | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD. BANK OF AMERICA LOCKBOX SERVICES WORCHESTER, MA 02125 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 17.27% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $404 | $0 | $404 | 5.01% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | DBA CAC SPEC 416 WEST 13TH ST STE 303 NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $220 | $0 | $220 | 2.73% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $82 | $82 | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 2 MORRISSEY BLVD. BANK OF AMERICA LOCKBOX SERVICES WORCESTER, MA 02125 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $706 | $0 | $706 | 16.82% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $210 | $0 | $210 | 5.00% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | DBA CAC SPEC 416 WEST 13TH STREET STE 303 NEW YORK, NY 10014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $133 | $0 | $133 | 3.17% |
| GIS BENEFITS INC3 Filed as: GIS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $47 | $47 | 1.12% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | SIMNSA | 21 | $43K |
| Dental(3 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 105 | $113K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 105 | $83K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 105 | $83K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 105 | $83K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 105 | $83K |
| Other(4 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 105 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.