| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME ROAD#6 AMHERST, NY 14228 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 4.89% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 1.69% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME ROAD#6 AMHERST, NY 14228 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $788 | — | $788 | 1.69% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME ROAD#6 AMHERST, NY 14228 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $592 | — | $592 | 1.74% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1416 SWEET HOME ROAD#6 AMHERST, NY 14228 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $547 | — | $547 | 1.72% |
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 | 857 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 857 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 835 | $120K |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 95 | $34K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 90 | $32K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 835 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 835 | — |
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.