| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $233K | $8K | $240K | 25.81% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 379226701 | VISION CARE FOR LIFE | $49K | $158K | $207K | 34.68% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $104K | $6K | $110K | 26.32% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $136K | $14K | $150K | 38.67% |
| 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 | 15.21% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KINGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $73K | $4K | $77K | 26.27% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | — | $30K | 15.04% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 8081 KNIGSTON PIKE SUITE 50 KNOXVILLE, TN 37919 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $613 | $11K | 26.53% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 5,311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 247 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 4,112 | $1.1M |
| Vision | VISION CARE FOR LIFE | 3,628 | $596K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,378 | $734K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 813 | $201K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,378 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,378 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.