| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $9K | 13.26% |
| ALIUM LLC3 Filed as: ALIUM INSURANCE PARTNERS | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | DELTA DENTAL OF INDIANA | $4K | — | $4K | 6.20% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $6K | 12.85% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $4K | 14.43% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $221 | $1K | 18.03% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $975 | $161 | $1K | 17.48% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $278 | $195 | $473 | 13.63% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $518 | $91 | $609 | 17.62% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 164 | $60K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $28K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $64K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $46K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 97 | $267K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 174 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.