| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 19.99% |
| WHD, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 8.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 14.82% |
| SAUNDERS BENEFITS CONSULTING, LLC3 | 233 EAST BAY STREET SUITE 630 JACKSONVILLE, FL 32202 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 25.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $818 | — | $818 | 5.00% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 156 | $56K |
| Vision | AETNA LIFE INSURANCE COMPANY | 156 | $56K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $16K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 164 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.