| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | — | BERKLEY LIFE & HEALTH INSURANCE CO | $23K | $0 | $23K | 8.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $10K | $10K | 30.97% |
| RISK STRATEGIES COMPANY3 Filed as: FOUDNATION RISK PARTNERS | 4634 GULFSTARR DR DESTIN, FL 32541 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.01% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY NC STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 33.70% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 30.81% |
| RISK STRATEGIES COMPANY3 Filed as: FOUDNATION RISK PARTNERS CORP | 4634 GULFSTARR DR DESTIN, FL 32541 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $400 | — | $400 | 6.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | RELIACNE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 33.32% |
| RISK STRATEGIES COMPANY3 Filed as: FOUDNATION RISK PARTNERS | 4634 GULFSTARR DR DESTIN, FL 32541 | RELIACNE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 20.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 34.72% |
| RISK STRATEGIES COMPANY3 Filed as: FOUDNATION RISK PARTNERS CORP | 4634 GULFSTARR DR DESTIN, FL 32541 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $727 | — | $727 | 20.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD INSURANCE COMPANY | — | $783 | $783 | 31.83% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 4634 GULFSTARR DR DESTIN, FL 32541 | RELIANCE STANDARD INSURANCE COMPANY | $148 | — | $148 | 6.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARS LIFE INSURANCE COMPANY | — | $701 | $701 | 32.13% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 4634 GULFSTARR DR DESTIN, FL 32541 | RELIANCE STANDARS LIFE INSURANCE COMPANY | $131 | — | $131 | 6.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $13K |
| OMS INSURANCE GROUP INC EIN 59-3757026 BROKER | Other commissions Service code 55 | PO BOX 2 LAKELAND, FL 33802 | $5K |
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 | 305 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 368 | $13K |
| Short-term disability(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 368 | $17K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 407 | $31K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE & HEALTH INSURANCE CO | 305 | $285K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.