| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHLLIPS BENEFITS ADVISORS, LLC3 | 6920 POINTE INVERNESS WAY SUITE 230 FORT WAYNE, IN 46804 | SUN LIFE ASSURANCE COMPANY OF CANADA | $58K | $11K | $69K | 16.44% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $19K | $19K | 4.59% |
| PHILLIPS BENEFITS ADVISORS LLC3 Filed as: PHILLIPS BENEFITS ADVISORS, LLC | 6920 POINTE INVERNESS WAY SUITE 230 FORT WAYNE, IN 46804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 1.50% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $671 | $671 | 0.50% |
| PHILLIPS BENEFITS ADVISORS LLC3 Filed as: PHILLIPS BENEFITS ADVISORS, LLC | 6920 POINTE INVERNESS WAY SUITE 230 FORT WAYNE, IN 46804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| BENEFIT ADVISORS NETWORK LLC7 Filed as: BENEFIT ADVISORS NETWORK, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $996 | $996 | 5.00% |
| PHILLIPS BENEFITS ADVISORS LLC3 Filed as: PHILLIPS BENEFITS ADVISORS, LLC | 6920 POINTE INVERNESS WAY SUITE 230 FORT WAYNE, IN 468047296 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $953 | — | $953 | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $318 | — | $318 | 5.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $318 | $318 | 5.01% |
| PHILLIPS BENEFITS ADVISORS LLC3 Filed as: PHILLIPS BENEFITS ADVISORS, LLC | 6920 PTE INVERNESS WAY SUITE 230 FORT WAYNE, IN 46804 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16 | — | $16 | 15.38% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5 | — | $5 | 4.81% |
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 | 1,175 | 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) | 1,175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,175 | $447K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,154 | $555K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,175 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,175 | — |
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.