| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DELTA DENTAL INSURANCE COMPANY3 | 1515 22ND STREET 450 OAK BROOK, IL 60523 | DELTA DENTAL INSURANCE COMPANY | — | $230K | $230K | 21.54% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $75K | — | $75K | 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 | $60K | — | $60K | 10.00% |
| VISION SERVICE PLAN Filed as: VISION CARE FOR LIFE | 3333 QUALITY DRIVE RANCHO CORDOVA, CA 95670 | VISION CARE FOR LIFE | — | $72K | $72K | 19.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $37K | — | $37K | 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 | $27K | — | $27K | 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 | $5K | — | $5K | 5.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | SIX CONCOURSE PARKWAY NE SUITE 2750 ATLANTA, GA 303286117 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 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 | $940 | — | $940 | 10.00% |
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 | 3,836 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,869 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,753 | $1.1M |
| Vision | VISION CARE FOR LIFE | 2,554 | $378K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,406 | $748K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 377 | $95K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,406 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,406 | — |
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.