| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 5 GREAT VALLEY PARKWAY SUITE 355 MALVERN, PA 19355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | — | $34K | 20.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 5 GREAT VALLEY PARKWAY SUITE 355 MALVERN, PA 19355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 10.00% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 5 GREAT VALLEY PARKWAY SUITE 355 MALVERN, PA 19355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| ASSUREDPARTNERS3 Filed as: FORESTER BENFITS MANAGEMENT LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 5 GREAT VALLEY PARKWAY SUITE 355 MALVERN, PA 19355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $26K | — | $26K | 49.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 27.00% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 5 GREAT VALLEY PARKWAY SUITE 355 MALVERN, PA 19355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 49.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 27.00% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP LLC | 5 GREAT VALLEY PARKWAY SUITE 355 MALVERN, PA 19355 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.01% |
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 | 693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 834 | $242K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 358 | $160K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 446 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 834 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.