| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEPLACE, INC. | 19495 BISCAYNE BLVD SUITE 300 AVENTURA, FL 33180 | UNUM | $38K | — | $38K | 7.79% |
| AMERICAN BENEFITS AND COMPENSATION Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE FL 14 NEW YORK, NY 10178 | UNUM | $36K | — | $36K | 7.21% |
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN AVE 10TH FL IRVINE, CA 92602 | UNUM | $0 | — | $0 | 0.00% |
| VAN DYKE RANKIN FINANCIAL SERVICES Filed as: VAN DYKE RANKIN & COMPANY INC | 211 SOUTH AUSTIN STREET BRENHAM, TX 77833 | GUARDIAN | — | $11K | $11K | 3.80% |
| BENE USA LLC Filed as: BENE-USA LLC | 261 SCHOOL AVENUE STE 350 EXCELSIOR, MN 55331 | GUARDIAN | — | $8K | $8K | 3.00% |
| BENEFITS BROKERS EXCHANGE INC. Filed as: BENEFITS BROKERS EXCHANGE INC | 1800 ST JAMES PLACE SUITE 325 HOUSTON, TX 77056 | GUARDIAN | — | $3K | $3K | 1.20% |
| OPES ONE ADVISORS LLC | 15303 DALLAS PARKWAY STE 550 ADDISON, TX 75001 | GUARDIAN | — | $113 | $113 | 0.04% |
| AMERICAN BENEFITS AND COMPENSATION Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE FL 14 NEW YORK, NY 10178 | VISION SERVICE PLAN | $13K | — | $13K | 5.28% |
| BENEPLACE, INC.3 | 19495 BISCAYNE BLVD SUITE 300 AVENTURA, FL 33180 | VISION SERVICE PLAN | $12K | — | $12K | 5.02% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE FL 14 NEW YORK, NY 10178 | RELIASTAR LIFE INSURANCE COMPANY | $8K | — | $8K | 3.98% |
| BENEPLACE, INC.3 Filed as: BENEPLACE, LLC | 9420 RESEARCH BLVD. AUSTIN, TX 78759 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 3.09% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION | 101 PARK AVE FL 14 NEW YORK, NY 10178 | RELIASTAR LIFE INSURANCE COMPANY | $15K | — | $15K | — |
| BENEPLACE, INC.3 Filed as: BENEPLACE, LLC | 9420 RESEARCH BLVD. AUSTIN, TX 78759 | RELIASTAR LIFE INSURANCE COMPANY | $11K | — | $11K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 | Plan Administrator Service code 14 | 200 W. ADAMS ST STE 500 CHICAGO, IL 60606 | $414K |
| PHCS EIN 04-3138814 | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | PO BOX D-3232 BOSTON, MA 022413232 | $141K |
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 | 2,964 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,004 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,473 | $242K |
| Life insurance(2 contracts, 2 carriers) | UNUM | 3,101 | $771K |
| Other(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 776 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,101 | — |
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.