| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 379226701 | VISION SERVICE PLAN | $47K | $146K | $193K | 35.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45K | — | $45K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $100K | — | $100K | 35.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | — | $27K | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
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 | 5,377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 278 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 4,003 | $1.1M |
| Vision | VISION SERVICE PLAN | 3,404 | $551K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,453 | $299K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 817 | $178K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,453 | $678K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,453 | — |
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.