| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS COMPANY | 233 E BAY ST SUITE 630 JACKSONVILLE, FL 322023447 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 5.05% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E BAY ST. SUITE 630 JACKSONVILLE, FL 32202 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $366 | $8K | 15.75% |
| SAUNDERS BENEFITS CONSULTING, LLC3 Filed as: SAUNDERS BENEFITS CONSULTING LLC | 233 E BAY ST STE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD | $7K | — | $7K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $1K | — | $1K | 5.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD | $176 | — | $176 | 0.63% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD | $4K | — | $4K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $707 | — | $707 | 5.00% |
| BENEFIT ADVISORS SERVICES3 Filed as: BENEFIT ADVISORS GROUP, LLC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD | $90 | — | $90 | 0.64% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD | $3K | — | $3K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $643 | — | $643 | 5.00% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD | $81 | — | $81 | 0.63% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD | $216 | — | $216 | 25.03% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | RELIANCE STANDARD | $43 | — | $43 | 4.98% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | RELIANCE STANDARD | $5 | — | $5 | 0.58% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $723K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 89 | $49K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $723K |
| Life insurance | RELIANCE STANDARD | 151 | $14K |
| Short-term disability | RELIANCE STANDARD | 145 | $28K |
| Long-term disability | RELIANCE STANDARD | 145 | $13K |
| Other(2 contracts) | RELIANCE STANDARD | 151 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.