| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STOP LOSS INSURANCE SERVICES, INC.3 Filed as: STOP LOSS COALITION SERVICES, LLC | 7632 SW DURHAM ROAD SUITE 115 TIGARD, OR 97224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43K | — | $43K | 2.39% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | AMERITAS LIFE INSURANCE CORP. | $49K | — | $49K | 10.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $48K | — | $48K | 15.01% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | — | $23K | 19.33% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing Service code 12 | 9900 BREN ROAD EAST MINNETONKA, MN 55343 | $2.2M |
| THE BENEFIT COMPANY EIN 06-1740690 INSURANCE AGENT BROKER | Insurance agents and brokers Service code 22 | 6 CONCOURSE PKWY,STE 2750 ATLANTA, GA 30328 | $309K |
| OGLETREE DEAKINS NASK SMOAK STEWART EIN 57-1044820 LEGAL | Legal Service code 29 | 191 PEACHTREE ST,STE 4800 ATLANTA, GA 30308 | $53K |
| SUNLIFE EIN 38-1082080 STOP LOSS | Insurance services Service code 23 | 7632 SW DURHAM RD,STE 115 TIGARD, OR 97224 | $43K |
| CONTINUOUS HEALTH EIN 27-5782040 INSURANCE SERVICE | Insurance services Service code 23 | 5775-D GLENRIDGE DRIVE ATLANTA, GA 30328 | $30K |
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 | 6,135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 6,135 | $488K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,460 | $323K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 725 | $119K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,070 | $1.8M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,460 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,135 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.