| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | ANTHEM INSURANCE COMPANIES, INC. | $8K | $1K | $9K | 10.68% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $8K | 18.39% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $624 | $0 | $624 | 1.50% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.40% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $520 | $0 | $520 | 1.50% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.38% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $451 | $0 | $451 | 1.50% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $390 | $85 | $475 | 18.28% |
| WATCH TOWER BENEFITS3 Filed as: WATCH TOWER BENEFITS, LLC | 2734 N MILDRED AVE CHICAGO, IL 60618 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $39 | $0 | $39 | 1.50% |
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 | 148 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 130 | $84K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 130 | $84K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 148 | $42K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 68 | $35K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 148 | $30K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 98 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
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.