| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUXIANT3 | 424 FIRST AVENUE NORTHEAST CEDAR RAPIDS, IA 52401 | COMPANION LIFE | $16K | $141K | $157K | 38.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8605 BROADWAY MERRILLVILLE, IN 46410 | COMPANION LIFE | — | $37K | $37K | 8.90% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS LLC | 8605 BROADWAY MERRILLVILLE, IN 46410 | METROPOLITAN LIFE INSURANCE | $8K | $17 | $8K | 9.84% |
| GIBSON INSURANCE AGENCY, INC.3 Filed as: GIBSON INS AGCY INC | PO BOX 11107 FORT WAYNE, IN 468551107 | METROPOLITAN LIFE INSURANCE | $656 | $226 | $882 | 1.07% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS GROUP | 8605 BROADWAY MERRILLVILLE, IN 46410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNANCLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $159 | $3K | 19.69% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS GROUP | 8605 BROADWAY MERRILLVILLE, IN 46410 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 12.50% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 Filed as: TOTALIS CONSUMER BENEFIT | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $134 | $2K | 19.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 Filed as: TOTALIS CONSUMER BENEFIT | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 Filed as: TOTALIS CONSUMER BENEFIT | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $382 | — | $382 | 14.98% |
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 Filed as: TOTALIS CONSUMER BENEFIT | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $127 | — | $127 | 4.98% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMPANION LIFE | 138 | $411K |
| Dental | METROPOLITAN LIFE INSURANCE | 232 | $83K |
| Vision | METROPOLITAN LIFE INSURANCE | 232 | $83K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $23K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 34 | $8K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 82 | $10K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 151 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.