| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIRE BENEFITS3 Filed as: HIRE BENEFITS INC. | 5880 LIVE OAK PKWY SUITE 250 NORCROSS, GA 300931740 | RELIASTAR LIFE INSURANCE COMPANY | $106K | — | $106K | 5.00% |
| CONDUENT HR CONSULTING LLC3 Filed as: CONDUENT HR CONSULTING, LLC | P.O. BOX 202617 DALLAS, TX 753202617 | RELIASTAR LIFE INSURANCE COMPANY | — | $44K | $44K | 2.06% |
| HIRE BENEFITS3 Filed as: HIRE BENEFITS INC | 5880 LIVE OAK PKWY SUITE 250 NORCROSS, GA 30093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $41K | — | $41K | 5.00% |
| HIRE BENEFITS3 Filed as: HIRE BENEFITS, INC. | 5880 LIVE OAK PKWY SUITE 250 NORCROSS, GA 30093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 5.00% |
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 | 8,990 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 243 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,681 | $2.1M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,105 | $818K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,839 | $441K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 8,820 | $630K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 8,990 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,990 | — |
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.