| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IBENEFIT COMMUNICATION LLC3 Filed as: IBENEFIT COMMUNICATION, LLC | 4400 PARK ROAD, SUITE 311 CHARLOTTE, NC 28209 | RELIASTAR LIFE INSURANCE COMPANY | $133K | $15K | $148K | 7.69% |
| ADP INC3 Filed as: ADP, LLC | 2835 DECKER LAKE DRIVE SALT LAKE CITY, UT 84119 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.38% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | U.S. LEGAL SERVICES OF WISCONSIN, INC. | $6K | $0 | $6K | 19.41% |
| UNKNOWN3 | UNKNOWN WINDSOR LOCKES, CT 06096 | FOUR EVER LIFE INS CO | $2K | $73 | $2K | 26.01% |
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 | 2,421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 87 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO | 2,421 | $7K |
| Vision(2 contracts, 2 carriers) | WYSSTA INSURANCE COMPANY INC | 1,795 | $193K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 3,993 | $1.9M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,993 | $1.9M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 3,993 | $1.9M |
| Prescription drug | FOUR EVER LIFE INS CO | 2,421 | $7K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 3,993 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,993 | — |
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.