| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | — | $8K | $8K | 3.00% |
| AUXIANT3 | 3002 PERRY STREET MADISON, WI 53713 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 0.70% |
| USI INSURANCE SERVICES LLC3 | 100 SUMMIT LAKE DRIVE SUITE 400 VALHALLA, NY 10595 | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 0.57% |
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | GUARDIAN | $24K | — | $24K | 11.74% |
| USI INSURANCE SERVICES LLC3 | 222 S RIVERSIDE PLAZA SUITE 900 CHICAGO, IL 60606 | GUARDIAN | $5K | — | $5K | 2.67% |
| BYRNE INSURANCE GROUP3 | 9401 WILLIAMSBURG PLAZA SUITE 100 LOUISVILLE, KY 40222 | GLOBE LIFE AND ACCIDENT INSURANCE CO | $2K | $4K | $6K | 44.80% |
| THE LOOMIS COMPANY3 | — | GLOBE LIFE AND ACCIDENT INSURANCE CO | — | $5K | $5K | 40.42% |
| EXCESS REINSURANCE UNDERWRITERS3 | — | GLOBE LIFE AND ACCIDENT INSURANCE CO | — | $5K | $5K | 34.92% |
| INNOBENEFITS LLC3 | 99 WOOD AVE. S SUITE 501 ISELIN, NJ 08830 | GLOBE LIFE AND ACCIDENT INSURANCE CO | $664 | $4K | $4K | 33.55% |
| PRAM INSURANCES INC3 | — | GLOBE LIFE AND ACCIDENT INSURANCE CO | — | $3K | $3K | 23.98% |
| PHCS3 Filed as: MULTIPLAN INC | — | GLOBE LIFE AND ACCIDENT INSURANCE CO | — | $1K | $1K | 8.83% |
| TELADOC3 Filed as: TELADOC INC | — | GLOBE LIFE AND ACCIDENT INSURANCE CO | — | $708 | $708 | 5.33% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | 34 | $271K |
| Dental | GUARDIAN | 153 | $202K |
| Vision | GUARDIAN | 153 | $202K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 153 | $215K |
| Long-term disability | GUARDIAN | 153 | $202K |
| Stop-loss / reinsurancereinsurance | STANDARD LIFE AND ACCIDENT INSURANCE COMPANY | 34 | $271K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 153 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
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.