| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLEY ANDERSON3 | 137 BRECKENRIDGE LANE LOUISVILLE, KY 40207 | PRIORITY HEALTH INSURANCE COMPANY | $168K | — | $168K | 1.27% |
| ALIUM LLC3 Filed as: ALIUM INSURANCE PARTNERS, LLC | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $11K | $26K | 6.03% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $13K | $13K | 3.00% |
| ALIUM LLC3 Filed as: ALIUM INSURANCE PARTNERS, LLC | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $7K | $17K | 6.17% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $8K | $8K | 3.00% |
| ALIUM LLC3 Filed as: ALIUM INSURANCE PARTNERS, LLC | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $36K | $8K | $44K | 18.11% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 3.00% |
| ALIUM LLC3 Filed as: ALIUM INSURANCE PARTNERS, LLC | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | $5K | $30K | 16.65% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $12K | $12K | 7.00% |
| ALIUM LLC3 Filed as: ALIUM INSURANCE PARTNERS, LLC | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | $5K | $27K | 17.46% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $11K | $11K | 7.00% |
| ALIUM LLC3 Filed as: ALIUM INSURANCE PARTNERS, LLC | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20K | $4K | $25K | 16.04% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $11K | $11K | 7.00% |
| ALIUM LLC3 Filed as: ALIUM INSURANCE PARTNERS, LLC | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $3K | $7K | 6.49% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 10524 MOSS PARK ROAD #204-306 ORLANDO, FL 32832 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $48K | — | $48K | 45.23% |
| KELLY ANDERSON3 | — | PRIORITY HEALTH INSURANCE COMPANY | $4K | — | $4K | 5.17% |
| ALIUM LLC3 Filed as: ALIUM INSURANCE PARTNERS, LLC | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $668 | $4K | 18.21% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $623 | $623 | 3.00% |
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 | 2,724 | 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) | 2,724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 866 | $13.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,997 | $492K |
| Vision | PRIORITY HEALTH INSURANCE COMPANY | 1,000 | $73K |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,386 | $461K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,767 | $280K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,592 | $430K |
| Other(7 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,386 | $970K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,386 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.