| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN P WEBBER3 | 5050 POPLAR AVE STE 1200 MEMPHIS, TN 38157 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| CERTIFIED PROCESSING PARTNERS3 | 3636 SOUTH GEYER RD ST. LOUIS, MO 63127 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $723 | — | $723 | 5.00% |
| BRIAN EDWARD JUND3 Filed as: BRIAN JUND | US NATIONAL BENEFIT PARTNERS WEST 99 WOOD AVE. SOUTH, SUITE 500 ISELIN, CA 08830 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $723 | — | $723 | 5.00% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $14K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.