| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | RELIASTAR LIFE INSURANCE COMPANY | $956K | $340K | $1.3M | 14.41% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES - MACE BENEFITS GROUP INC | 5775 GLENRIDGE DR STE E500 ATLANTA, GA 303287137 | RELIASTAR LIFE INSURANCE COMPANY | $919K | — | $919K | 10.22% |
| CUENCA & ASSO. INS. AGENCY, INC.3 Filed as: CUENCA & ASSOCIATES INSURANCE | AGENCY INC 2990 INNSBRUCK DR REDDING, CA 960039303 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $168K | $168K | 1.87% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY LLC | DBA ALIGHT SOLUTIONS LLC 4 OVERLOOK PT LINCOLNSHIRE, IL 600594337 | RELIASTAR LIFE INSURANCE COMPANY | — | $83K | $83K | 0.93% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 501250043 | RELIASTAR LIFE INSURANCE COMPANY | — | $66K | $66K | 0.74% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF TENNESSEE | $50K | — | $50K | 1.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $67K | — | $67K | 10.00% |
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 | 15,101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 15,143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INSURANCE COMPANY | 22,683 | $9.0M |
| Dental | DELTA DENTAL OF TENNESSEE | 12,872 | $3.3M |
| Vision | VISION SERVICE PLAN | 7,768 | $671K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 22,683 | $9.0M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 22,683 | $9.0M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 22,683 | $9.0M |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 22,683 | $9.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 22,683 | — |
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.