| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ADVISORS SERVICES GROUP3 Filed as: BENEFITS ADVISORS SERVICES GRP LLC | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | MINNESOTA LIFE INSURANCE COMPANY | — | $11K | $11K | 0.22% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE FOUR GATEWAY STE 750 PITTSBURGH, PA 15222 | MINNESOTA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.03% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE FOUR GATEWAY STE 750 PITTSBURGH, PA 15222 | LIBERTY MUTUAL INSURANCE COMPANY | $255K | $45K | $300K | 10.38% |
| BENEFITS ADVISORS SERVICES GROUP3 Filed as: BENEFITS ADVISORS SERVICES GRP LLC | 1120 SANCTUARY PKWY SUITE 375 ALPHARETTA, GA 30009 | LIBERTY MUTUAL INSURANCE COMPANY | — | $12K | $12K | 0.42% |
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 | 12,737 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,134 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 14,871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MAGELLAN HEALTH SERVICES | 12,808 | $220K |
| Life insurance(2 contracts, 2 carriers) | MINNESOTA LIFE INSURANCE COMPANY | 22,089 | $5.2M |
| Long-term disability | LIBERTY MUTUAL INSURANCE COMPANY | 12,647 | $2.9M |
| Other | HM LIFE INSURANCE COMPANY | 1,310 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,089 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.