| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | STANDARD INSURANCE COMPANY | $24K | $9K | $33K | 9.27% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 1.35% |
| ASSUREDPARTNERS3 | 435 NORTH WHITTINGTON PARKWAY SUITE 300 LOUISVILLE, KY 40222 | METROPOLITAN LIFE INSURANCE COMPANY | $43K | $36 | $43K | 13.59% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 4.20% |
| ASSUREDPARTNERS3 | 5905 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.91% |
| ASSUREDPARTNERS3 | 4000 SMITH ROAD CINCINNATI, OH 45209 | RELIASTAR LIFE INSURANCE COMPANY | $20K | $0 | $20K | 10.00% |
| BENE RE LLC3 Filed as: BENE RE, LLC | 5217 MONROE STREET, SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $16K | $16K | 8.00% |
| ACCRETIVE ENROLLMENT SERVICES LLC3 Filed as: ACCRETIVE ENROLLMENT SERVICES, LLC | 13750 SAN PEDRO AVENUE, SUITE 550 SAN ANTONIO, TX 78232 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.00% |
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 | 1,182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 1,230 | $360K |
| Vision | STANDARD INSURANCE COMPANY | 1,230 | $360K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,495 | $316K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,495 | $316K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,495 | $316K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,495 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,495 | — |
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.