| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS INC3 Filed as: BENEFITS INC. | P.O. BOX 568 DICKSON, TN 37056 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 0.51% |
| BENEFITS INC | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE | $5K | — | $5K | 10.00% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE | $2K | — | $2K | 15.00% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE | $2K | — | $2K | 15.24% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE | $1K | — | $1K | 15.00% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE | $742 | — | $742 | 15.00% |
| BENEFITS INC3 Filed as: BENEFITS INC. | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE | $496 | — | $496 | 15.01% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE | $444 | — | $444 | 14.99% |
| BENEFITS INC3 | 110 MATHIS DR STE 106 DICKSON, TN 37055 | RELIANCE STANDARD LIFE INSURANCE | $38 | — | $38 | 15.02% |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 175 | $683K |
| Dental | RELIANCE STANDARD LIFE INSURANCE | 209 | $53K |
| Vision | RELIANCE STANDARD LIFE INSURANCE | 209 | $53K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE | 57 | $11K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE | 16 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 28 | $13K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE | 21 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.