| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | $2K | $21K | 11.26% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.87% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $541 | $4K | 5.77% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $378 | $18K | 25.54% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PK STE 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.64% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PKWY STE 300 ATLANTA, GA 30339 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.83% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY STE 50 KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $705 | $12K | 21.26% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $380 | $8K | 20.95% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $284 | $8K | 25.87% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $94 | $3K | 20.72% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $204 | $1K | 11.59% |
| STALWART INSURANCE LLC3 | 2550 BOYCE PLAZA ROAD SUITE 160 PITTSBURGH, PA 15241 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $639 | — | $639 | 5.00% |
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 | 591 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 594 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 486 | $180K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 546 | $187K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 269 | $56K |
| Stop-loss / reinsurancereinsurance | HM INSURANCE GROUP | 575 | $375K |
| Other(6 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 486 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.