| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE STE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $2K | $18K | 11.45% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 5.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK STE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $15K | — | $15K | 21.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY STE 300 ATLANTA, GA 30339 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.49% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE STE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $714 | $10K | 21.52% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $98 | $98 | 0.37% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE STE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $395 | $5K | 21.56% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE STE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $232 | $2K | 11.68% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $677 | — | $677 | 4.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6 | — | $6 | 0.04% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.66% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $541 | — | $541 | 5.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 25.00% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $756 | — | $756 | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE STE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $104 | $1K | 21.65% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $944 | — | $944 | 15.01% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 25.00% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $567 | — | $567 | 10.00% |
| STALWART INSURANCE LLC3 Filed as: STALWART INSURANCE AGENCY | 2550 BOYCE PLAZA ROAD PITTSBURGH, PA 15241 | VISION SERVICE PLAN | $2K | — | $2K | 100.00% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 494 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 502 | $2K |
| Life insurance(5 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 487 | $146K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 532 | $157K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 276 | $47K |
| Other(7 contracts, 3 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 487 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.