| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALIUM LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 20.00% |
| PAYCOR INC3 Filed as: PAYCOR, INC | 4811 MONTGOMERY ROAD CINCINNATI, OH 45212 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $3K | $20K | 17.63% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KS 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $3K | $17K | 17.82% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $2K | $12K | 17.75% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $601 | $4K | 17.89% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $591 | $4K | 17.85% |
| ALIUM INSURANCE PARTNERS, LLC3 | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $196 | $1K | 17.75% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 338 | $201K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 332 | $29K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 357 | $132K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 238 | $69K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $115K |
| Other(5 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 434 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.