| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $74K | — | $74K | 10.31% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $34K | — | $34K | 4.69% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $76K | — | $76K | 10.77% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $30K | — | $30K | 4.23% |
| VISION SERVICE PLAN3 Filed as: VISION CARE FOR LIFE | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | VISION CARE FOR LIFE | — | $154K | $154K | 26.50% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, LLC | 6 CONCOURSE PKWY NE STE 2750 ATLANTA, GA 303286117 | VISION CARE FOR LIFE | $44K | — | $44K | 7.56% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45K | — | $45K | 11.30% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT, LLC | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | — | $25K | 6.30% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33K | — | $33K | 10.70% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 5.70% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 6.76% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 4.12% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.93% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.62% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.62% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.66% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $217 | — | $217 | 1.32% |
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 | 4,827 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 222 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,079 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 3,536 | $1.4M |
| Vision | VISION CARE FOR LIFE | 3,299 | $582K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,127 | $786K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 836 | $184K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 5,127 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,127 | — |
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."
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.