| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS INC. | 4823 OLD KINGSTON PIKE, SUITE 205 KNOXVILLE, TN 379196473 | RELIASTAR LIFE INSURANCE COMPANY | $22K | — | $22K | 2.93% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFIT ADVISORS INC. | 4823 OLD KINGSTON PIKE, SUITE 205 KNOXVILLE, TN 379196473 | RELIASTAR LIFE INSURANCE COMPANY | $21K | — | $21K | 2.75% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 S 8TH ST, SUITE 700 MINNEAPOLIS, MN 554022105 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 0.83% |
| TRINITY BENEFIT ADVISORS, INC.3 Filed as: TRINITY BENEFITS ADVISORS INC. | 4823 OLD KINGSTON PIKE, SUITE 205 KNOXVILLE, TN 37919 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 5.35% |
| UNITED BENEFIT ADVISORS LLC3 | 20 N WACKER DR, SUITE 500 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 2.67% |
| VISION SERVICE PLAN0 | — | VISION SERVICE PLAN | — | $22K | $22K | 18.50% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 80 S 8TH ST, SUITE 700 MINNEAPOLIS, MN 554022105 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIMS ADMINISTRATOR | Other services; Named fiduciary; Float revenue; Claims processing; Participant communication; Contract Administrator; Direct payment from the plan; Non-monetary compensation Service code 12 | — | $1.0M |
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 | 1,084 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 923 | $121K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 2,374 | $754K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 2,374 | $754K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,105 | $232K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 2,374 | $754K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,374 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.