| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 10.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 5420 LBJ FREEWAY SUITE 1275 DALLAS, TX 75240 | HUMANA INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD | $2K | $0 | $2K | 35.00% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD | $0 | $37 | $37 | 0.84% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD | $0 | $0 | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD | $1K | $0 | $1K | 35.00% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD | $0 | $46 | $46 | 1.28% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD | $0 | $0 | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD | $597 | $0 | $597 | 32.36% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD | $0 | $11 | $11 | 0.60% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD | $0 | $0 | $0 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD | $187 | $0 | $187 | 35.08% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD | $0 | $3 | $3 | 0.56% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD | $0 | $0 | $0 | 0.00% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 137 | $39K |
| Vision | HUMANA INSURANCE COMPANY | 137 | $39K |
| Life insurance | HUMANA INSURANCE COMPANY | 137 | $39K |
| Short-term disability(2 contracts) | RELIANCE STANDARD | 12 | $2K |
| Long-term disability | RELIANCE STANDARD | 14 | $4K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 107 | $124K |
| Other | HUMANA INSURANCE COMPANY | 137 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.