| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 6.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 4703 E. CAMP LOWELL SUITE 101 TUCSON, AZ 85712 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 2.11% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $249 | $2K | 5.91% |
| MARSH & MCLENNAN AGENCY LLC3 | 4703 E. CAMP LOWELL SUITE 101 TUCSON, AZ 85712 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $499 | $499 | 1.83% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $294 | $2K | 6.09% |
| MARSH & MCLENNAN AGENCY LLC3 | 4703 E. CAMP LOWELL SUITE 101 TUCSON, AZ 85712 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $588 | $588 | 2.17% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $793 | $148 | $941 | 5.93% |
| MARSH & MCLENNAN AGENCY LLC2 | 4703 E. CAMP LOWELL SUITE 101 TUCSON, AZ 85712 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $296 | $296 | 1.87% |
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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 392 | $138K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 392 | $138K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 230 | $118K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 345 | $27K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 101 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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."
No prospect flags tripped on this filing.