| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE, STE A MIDLOTHIAN, VA 23113 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $10K | $10K | 5.23% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.01% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE, STE A MIDLOTHIAN, VA 23113 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $5K | $22K | 19.49% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $869 | $869 | 0.78% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE, STE A MIDLOTHIAN, VA 23113 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $6K | $16K | 15.23% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.01% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE SUITE A MIDLOTHIAN, VA 23113 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 12.53% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE, STE A MIDLOTHIAN, VA 23113 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $8K | 15.27% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $542 | $542 | 1.02% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE, STE A MIDLOTHIAN, VA 23113 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $9K | 20.07% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $445 | $445 | 0.96% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE, STE A MIDLOTHIAN, VA 23113 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.36% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $196 | $196 | 1.05% |
| LEAHY CONSULTING SERVICES3 | 14031 STEEPLESTONE DRIVE, STE A MIDLOTHIAN, VA 23113 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $665 | $2K | 15.27% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $129 | $129 | 1.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLEGIANCE BENEFIT PLAN MANAGEMENT EIN 81-0400550 CONTRACT ADMINISTRATOR | Float revenue; Other insurance fees and expenses; Insurance services; Accounting (including auditing); Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Contract Administrator Service code 10 | — | $182K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $33K |
| ALLEGIANCE CARE MANAGEMENT, INC. EIN 03-0507057 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Contract Administrator; Accounting (including auditing); Insurance services; Claims processing; Float revenue; Other insurance fees and expenses Service code 10 | — | $22K |
| MATRIX ABSENCE MANAGEMENT, INC. EIN 77-0493584 NONE | Claims processing Service code 12 | — | $13K |
| ALLEGIANCE COBRA SERVICES, INC. EIN 71-0916514 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Float revenue; Other insurance fees and expenses; Insurance services; Accounting (including auditing); Participant communication Service code 10 | — | $11K |
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 | 850 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 853 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,636 | $62K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 767 | $245K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 638 | $108K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 767 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,636 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.