| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KELLEY ANDERSON3 | 137 BRECKENRIDGE LANE LOUISVILLE, KY 40207 | PRIORITY HEALTH INSURANCE COMPANY | $166K | — | $166K | 1.29% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 3.50% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $8K | $8K | 3.00% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $28K | — | $28K | 15.00% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 3.00% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 3.50% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 3.00% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $87K | — | $87K | 65.00% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9K | $9K | 7.00% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $82K | — | $82K | 65.00% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $9K | $9K | 7.00% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $71K | — | $71K | 65.00% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FM 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $8K | $8K | 7.00% |
| PREPARE BENEFITS, LLC3 Filed as: PREPARE BENEFITS LLC | 10524 MOSS PARK ROAD #204-306 ORLANDO, FL 32832 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $51K | — | $51K | 55.99% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $501 | $501 | 3.00% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $80 | — | $80 | 3.51% |
| PREPARE BENEFITS, LLC3 | 7157 NARCOOSSEE ROAD #1579 ORLANDO, FL 32822 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $68 | $68 | 2.98% |
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 | 2,891 | 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) | 2,891 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 844 | $12.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 2,024 | $489K |
| Vision | PRIORITY HEALTH INSURANCE COMPANY | 2,573 | $68K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 871 | $280K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,631 | $187K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,409 | $272K |
| Other(7 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,162 | $668K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,573 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.