| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC | 2300 WINDY RIDGE PKWY ATLANTA, GA 30339 | SYMETRA LIFE INSURANCE COMPANY | — | $23K | $23K | 7.35% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | DELTA DENTAL | $11K | — | $11K | 10.00% |
| BENEFIT INSURANCE MKT INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $12K | $2K | $13K | 15.07% |
| BENIFIT LLC3 Filed as: THE BENIFIT COMPANY INC | 3800 FERNANDINA RD COLUMBIA, SC 29210 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 3.08% |
| BENEFIT INSURANCE MKT INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $6K | $825 | $7K | 15.74% |
| THE BENEFIT COMPANY INC3 | 3800 FERNANDINA RD COLUMBIA, SC 29210 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.24% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | ANTHEM BLUE CROSS AND BLUE SHIELD | $2K | — | $2K | 6.07% |
| BENEFIT INSURANCE MKT INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | STANDARD INSURANCE COMPANY | $3K | $393 | $3K | 15.71% |
| THE BENEFIT COMPANY INC3 | 3800 FERNANDINA RD COLUMBIA, SC 29210 | STANDARD INSURANCE COMPANY | — | $709 | $709 | 3.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 NONE | Contract Administrator Service code 13 | 230 LEXINGTON GREEN CIR LEXINGTON, KY 40503 | $150K |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL | 334 | $110K |
| Vision | ANTHEM BLUE CROSS AND BLUE SHIELD | 142 | $31K |
| Life insurance | STANDARD INSURANCE COMPANY | 173 | $88K |
| Short-term disability | STANDARD INSURANCE COMPANY | 133 | $44K |
| Long-term disability | STANDARD INSURANCE COMPANY | 101 | $22K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 157 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.