| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | STE 410 855 RIDGE LAKE BLVD MEMPHIS, TN 38120 | HUMANA | $43K | — | $43K | 4.30% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 STE 140 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.90% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT ST STE 1100 BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD. STE. 410 MEMPHIS, TN 38120 | BEAZLEY INSURANCE COMPANY INC | $7K | — | $7K | 15.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $19 | $3K | 6.67% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS DBA MAXWELL HEALTH | 101 TREMONT STREET BOSTON, MA 02108 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24 | — | $24 | 0.06% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $6 | $6 | 0.02% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS LLC | 855 RIDGE LAKE BLVD STE 1410 MEMPHIS, TN 38120 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $356 | — | $356 | 14.99% |
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 | 265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 113 | $1.0M |
| Dental(2 contracts, 2 carriers) | HUMANA | 203 | $1.1M |
| Vision(2 contracts, 2 carriers) | HUMANA | 203 | $1.1M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $39K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 35 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 14 | $33K |
| Other(3 contracts, 2 carriers) | BEAZLEY INSURANCE COMPANY INC | 125 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.