| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JA BENEFITS LLC3 | 1630 H STREET BEDFORD, IA 47421 | DELTA DENTAL OF KENTUCKY | $104K | — | $104K | 8.00% |
| JA BENEFITS LLC3 Filed as: JA BENEFITS, LLC | 1630 H STREET BEDFORD, IN 47421 | HEALTH ALLIANCE PLAN | $21K | — | $21K | 2.14% |
| HEALTH ALLIANCE ADMINISTRATORS INC3 | 39500 HIGH POINTE BLVD #400 NOVI, MI 48375 | HEALTH ALLIANCE PLAN | $8K | — | $8K | 0.87% |
| JA BENEFITS LLC3 Filed as: JA BENEFITS, LLC | 1630 H STREET BEDFORD, IN 47421 | AXIS INSURANCE COMPANY | $101K | — | $101K | 14.68% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $67K | $16K | $83K | 21.00% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45K | $12K | $57K | 19.00% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $31K | — | $31K | 20.00% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | — | $25K | 20.00% |
| CHRISTOPHER RYAN JOHNSON3 | 1630 H ST BEDFORD, IN 474213834 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 5.85% |
| CHRISTOPHER RYAN JOHNSON3 | 1630 H ST BEDFORD, IN 474213834 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 5.27% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $3K | $14K | 21.00% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IN 47421 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.00% |
| JA BENEFITS LLC3 | PO BOX 159 BEDFORD, IA 47421 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $767 | $4K | 21.00% |
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 | 6,306 | 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) | 6,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AXIS INSURANCE COMPANY | 601 | $916K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF KENTUCKY | 3,764 | $1.4M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,147 | $218K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,306 | $394K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 701 | $366K |
| Prescription drug(4 contracts, 3 carriers) | AXIS INSURANCE COMPANY | 601 | $916K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,306 | $718K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,306 | — |
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.