| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTALIS CONSUMER BENEFIT SOLUTIONS3 | 8081 KINGSTON PIKE KNOXVILLE, TN 37919 | RELIASTAR LIFE INSURANCE COMPANY | $401K | $59K | $460K | 39.10% |
| T2B SOLUTIONS INC.3 Filed as: T2B SOLUTIONS INC | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.66% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $182K | $24K | $206K | 18.20% |
| JOSEPH VENTIMIGLIA3 | 1957 COLUMBIA RD BERKLEY, MI 48072 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 0.31% |
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 | 5,530 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 5,530 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CHEROKEE INSURANCE COMPANY | 2,878 | $20.1M |
| Dental | CHEROKEE INSURANCE COMPANY | 2,878 | $20.1M |
| Vision | CHEROKEE INSURANCE COMPANY | 2,878 | $20.1M |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,530 | $2.3M |
| Prescription drug | CHEROKEE INSURANCE COMPANY | 2,878 | $20.1M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,530 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,530 | — |
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.