| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPLAIN MY BENEFITS LLC5 | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $28K | $28K | 7.00% |
| EXPLAIN MY BENEFITS LLC5 | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $12K | $49K | 29.45% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET, SUITE 1410 LITTLE ROCK, AR 72201 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $450 | $450 | 0.47% |
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 | 1,242 | 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) | 1,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 198 | $1.5M |
| Dental | DELTA DENTAL OF MISSOURI | 1,258 | $426K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,773 | $96K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,242 | $403K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,242 | $403K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,242 | $403K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 198 | $1.5M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,242 | $569K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,773 | — |
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."
No prospect flags tripped on this filing.