| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INSURANCE PARTNERS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 9.90% |
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INSURANCE PARTNERS | 137 BRECKENRIDGE LANE LOUISVILLE, KY 40207 | DELTA DENTAL OF KENTUCKY | $7K | — | $7K | 10.00% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $3K | $992 | $4K | 9.63% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $808 | $3K | 10.58% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $4K | $515 | $4K | 17.05% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | RELIANCESTANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $446 | $223 | $669 | 4.04% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $647 | $228 | $875 | 5.44% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $268 | $115 | $383 | 4.29% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | REALIANCESTANDARD LIFE INSUANCE COMPANY | $416 | $110 | $526 | 12.66% |
| THE CASON GROUP INC3 | BOX 11229 COLUMBIA, SC 29211 | REALIANCESTANDARD LIFE INSUANCE COMPANY | — | $208 | $208 | 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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 231 | $66K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 130 | $16K |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 195 | $37K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 85 | $31K |
| Long-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 44 | $25K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $269K |
| Other(5 contracts, 3 carriers) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 195 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.