| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $3K | $22K | 17.79% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KS 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $3K | $20K | 17.51% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $2K | $14K | 17.72% |
| CENTO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIASTAR LIFE INSURANCE COMPANY | $9K | — | $9K | 20.00% |
| PAYCOR INC3 Filed as: PAYCOR, INC | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | RELIASTAR LIFE INSURANCE COMPANY | — | $934 | $934 | 2.00% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| PASITO INSURANCE SOLUTIONS, LLC3 | 220 9TH STREET SUITE 282 CO AND CO JERSEY CITY, NJ 07302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$124 | — | -$124 | -0.42% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| PASITO INSURANCE SOLUTIONS, LLC3 | 220 9TH STREET SUITE 282 CO AND CO JERSEY CITY, NJ 07302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$118 | — | -$118 | -0.43% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| PASITO INSURANCE SOLUTIONS, LLC3 | 220 9TH STREET SUITE 282 CO AND CO JERSERY CITY, NJ 07302 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$114 | — | -$114 | -0.42% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $640 | $4K | 17.69% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $644 | $4K | 17.88% |
| CENTO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $244 | $1K | 18.11% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $391 | — | $391 | 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 | 422 | 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) | 422 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 360 | $218K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 356 | $32K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 427 | $146K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 299 | $80K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $140K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE | 357 | $665K |
| Other(8 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 427 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.