| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 509 S 4TH AVENUE BRIGHTON, CO 806013102 | RELIASTAR LIFE INSURANCE COMPANY | — | $24K | $24K | 2.69% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1200 N MAYFAIR RD. STE 100 MILWAUKEE, WI 532263286 | RELIASTAR LIFE INSURANCE COMPANY | — | $21K | $21K | 2.41% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | 401 S MOUNT JULIET RD. MOUNT JULIET, TN 371226359 | RELIASTAR LIFE INSURANCE COMPANY | — | $7K | $7K | 0.82% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 022842875 | RELIASTAR LIFE INSURANCE COMPANY | — | $3K | $3K | 0.37% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS INC. | 9903 EAST 150TH AVENUE BRIGHTON, CO 80602 | LEGALPLANS, USA | $7K | — | $7K | 15.00% |
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 | 1,142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,070 | $121K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 11,521 | $875K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 11,521 | $875K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 11,521 | $875K |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 11,521 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,521 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.