| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO | $151K | $16K | $167K | 11.08% |
| EXPLAIN MY BENEFITS LLC Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INS CO | $0 | $10K | $10K | 0.69% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL | $19K | — | $19K | 1.75% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO | $79K | $12K | $91K | 11.53% |
| EXPLAIN MY BENEFITS LLC Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INS CO | $0 | $6K | $6K | 0.70% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO | $49K | $9K | $58K | 11.83% |
| EXPLAIN MY BENEFITS LLC Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INS CO | $0 | $3K | $3K | 0.68% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN BENEFITS, LLC | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INS CO | $138K | $4K | $143K | 40.09% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO | $59K | $5K | $64K | 18.01% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W SR 426 STE 2021 OVIEDO, FL 32765 | LINCOLN NATIONAL LIFE INS CO | $116K | $4K | $120K | 43.93% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO | $50K | $4K | $54K | 19.57% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | DELTA DENTAL | $23K | — | $23K | 10.00% |
| STEPHENS INSURANCE LLC3 Filed as: STEPHENS INSURANCE, LLC | 111 CENTER STREET SUITE 1410 LITTLE ROCK, AR 72201 | LINCOLN NATIONAL LIFE INS CO | $22K | $5K | $27K | 12.06% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W SR 426 STE 2021 OVIEDO, FL 37265 | LINCOLN NATIONAL LIFE INS CO | $0 | $2K | $2K | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Named fiduciary; Other services; Direct payment from the plan Service code 12 | — | $10K |
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 | 5,025 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 68 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,093 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INS CO. | 4,061 | $6.4M |
| Dental | DELTA DENTAL | 4,225 | $1.1M |
| Vision | DELTA DENTAL | 3,531 | $231K |
| Life insurance | LINCOLN NATIONAL LIFE INS CO | 5,025 | $225K |
| Short-term disability | LINCOLN NATIONAL LIFE INS CO | 1,208 | $1.5M |
| Long-term disability | LINCOLN NATIONAL LIFE INS CO | 1,269 | $793K |
| Prescription drug | CIGNA HEALTH & LIFE INS CO. | 4,061 | $6.4M |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INS CO | 5,025 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,025 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.