| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIRECTPATH, LLC3 | PO BOX 366 BIRMINGHAM, AL 35201 | RELIASTAR LIFE INSURANCE COMPANY | $473K | $21K | $494K | 18.52% |
| DIRECTPATH, LLC3 | PO BOX 366 BIRMINGHAM, AL 35201 | RELIASTAR LIFE INSURANCE COMPANY | — | $133K | $133K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS, INC 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | RELIASTAR LIFE INSURANCE COMPANY | $25K | $4K | $29K | 1.07% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS, LLC | DBA STRATEGIC BENEFIT ADVISORS, INC 144 TURNPIKE RD STE 330 SOUTHBOROUGH, MA 01772 | RELIASTAR LIFE INSURANCE COMPANY | $43K | $38K | $80K | 5.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $14K | $41K | 8.49% |
| DIRECTPATH, LLC3 | PO BOX 366 BIRMINGHAM, AL 352010366 | RELIASTAR LIFE INSURANCE COMPANY | $55K | — | $55K | 16.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | DBA STRATEGIC BENEFIT ADVISORS, INC 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 0.88% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | METLIFE LEGAL PLANS | $23K | $4K | $27K | 10.91% |
| DIRECTPATH, LLC3 Filed as: DIRECTPATH LLC | 120 18TH STREET SOUTH BIRMINGHAM, AL 35233 | METLIFE LEGAL PLANS | — | $27 | $27 | 0.01% |
| DIRECTPATH, LLC3 | PO BOX 366 BIRMINGHAM, AL 35201 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $5K | $2K | $7K | 9.78% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS,LLC | DBA STRATEGIC BENEFIT ADVISORS, INC 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $290 | — | $290 | 0.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF MASSACHUSETTS LLC | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | HARTFORD LIFE AND ACCIDENT | $343 | $34 | $377 | 16.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 PROVIDES CLAIM ADMIN | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | — | $6.2M |
| LINCOLN NATIONAL LIFE INSURANCE CO EIN 35-0472300 STD ASO | Claims processing; Contract Administrator; Insurance services Service code 12 | — | $725K |
| CIGNA | Contract Administrator; Other services; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan Service code 12 | — | $0 |
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 | 13,230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 115 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 13,345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 12,296 | $1.8M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,042 | $480K |
| Other(7 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 34,872 | $5.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 34,872 | — |
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.