| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENE RE LLC3 | 5217 MONROE ST STE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $62K | $62K | 1.80% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT ST STE 205 WARWICK, RI 028861303 | RELIASTAR LIFE INSURANCE COMPANY | $33K | — | $33K | 0.96% |
| USI INSURANCE SERVICES LLC3 | 475 KILVERT S/BLD B/S205 WARWICK, RI 02886 | FEDERAL INSURANCE COMPANY | $2K | $246 | $3K | 16.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 PLAN ADMINISTRATOR | Contract Administrator; Claims processing; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $297K |
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 | 6,611 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 117 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,728 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMMUNITY INSURANCE COMPANY | 10,692 | $736K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 6,785 | $3.4M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,649 | $256K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,529 | $1.6M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 10,692 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,692 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.