| 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 | $10K | $0 | $10K | 10.46% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 5420 LBJ FREEWAY SUITE 1275 DALLAS, TX 75240 | HUMANA INSURANCE COMPANY | $0 | $1K | $1K | 1.23% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD | $2K | $62 | $2K | 13.06% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD | $1K | $29 | $1K | 10.16% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD | $1K | $31 | $1K | 8.63% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD | $1K | $55 | $1K | 14.43% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD | $1K | $24 | $1K | 12.14% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD | $909 | $28 | $937 | 9.53% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD | $1K | $0 | $1K | 19.99% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD | $707 | $22 | $729 | 13.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD | $618 | $12 | $630 | 11.37% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD | $492 | $11 | $503 | 9.08% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD | $178 | $6 | $184 | 13.23% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD | $177 | $3 | $180 | 12.94% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD | $132 | $5 | $137 | 9.85% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 396 | $100K |
| Vision | HUMANA INSURANCE COMPANY | 396 | $100K |
| Life insurance | HUMANA INSURANCE COMPANY | 396 | $100K |
| Short-term disability | RELIANCE STANDARD | 16 | $14K |
| Long-term disability | RELIANCE STANDARD | 21 | $10K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 128 | $369K |
| Other(4 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 396 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.