| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $30K | — | $30K | 15.00% |
| BENEFIT ADVISORS NETWORK LLC7 Filed as: BENEFIT ADVISORS NETWORK, LLC | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.69% |
| 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 | $24K | — | $24K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 1.71% |
| 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 | $5K | — | $5K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $163 | $163 | 0.48% |
| 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 | $169 | — | $169 | 14.98% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $56 | — | $56 | 4.96% |
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 | 1,157 | 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) | 1,157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,157 | $232K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 469 | $157K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,157 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,157 | — |
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.