| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 722014431 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 1.23% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097630 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEATLHSMART BENEFIT SOLUTIONS EIN 36-4099199 NONE | Claims processing Service code 12 | — | $205K |
| MAXCARE LLC EIN 47-1448249 NONE | Contract Administrator Service code 13 | — | $152K |
| USABLE CORPORATION EIN 71-0246079 NONE | Claims processing Service code 12 | — | $39K |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 NONE | Contract Administrator Service code 13 | — | $23K |
| HEALTHSMART CARE MANAGEMENT EIN 75-2960859 NONE | Employee (plan) Service code 30 | — | $9K |
| TELADOC EIN 04-3705970 NONE | Claims processing Service code 12 | — | $6K |
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 | 757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 770 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 787 | $94K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,142 | $453K |
| Stop-loss / reinsurancereinsurance | GARDEN STATE LIFE INSURANCE COMPANY | 757 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,142 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.