| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRINDELL INVESTMENTS LLC3 Filed as: BRINDELL INVESTMENTS, LLC | 105 CYPRESS LAKES DRIVE SLIDELL, LA 70458 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 4.00% |
| BRINDELL INVESTMENTS LLC3 | 3522 PEACHTREE STREET SLIDELL, LA 70458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| BRINDELL INVESTMENTS LLC3 | 1301 BROWNSWITCH ROAD SLIDELL, LA 70458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | — | $11K | 18.50% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 13.00% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| BRINDELL INVESTMENTS LLC3 | 3522 PEACHTREE STREET SLIDELL, LA 70458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $171 | $6K | 14.59% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $196 | $4K | 10.46% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $26 | $2K | 5.07% |
| BRINDELL INVESTMENTS LLC3 | 1301 BROWNSWITCH ROAD SLIDELL, LA 70458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $22 | $22 | 0.06% |
| OPTIBEN LLC3 | 377 HWY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $9 | $1K | 8.47% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $911 | — | $911 | 5.59% |
| OPTIBEN LLC3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $824 | $5 | $829 | 8.49% |
| BRINDELL INVESTMENTS LLC3 | 3522 PEACHTREE STREET SLIDELL, LA 70458 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $586 | $4 | $590 | 6.04% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE PIONT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $542 | — | $542 | 5.55% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 82 | $486K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 220 | $75K |
| Vision(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 220 | $78K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $62K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 83 | $38K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 113 | $42K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 110 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.