| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP CENTRAL, LLC | 6800 ISAACS ORCHARD ROAD, SUITE A SPRINGDALE, AR 72762 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$73 | $45K | $45K | 2.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 3151 BRIARPARK DRIVE, SUITE 1220 HOUSTON, TX 77042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $10K | $10K | 0.64% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP CENTRAL, LLC | 3000 WESLAYAN STREET, SUITE 390 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $13K | $29K | 14.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND NOYES, LLC | 14011 PARK DRIVE TOMBALL, TX 77377 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP CENTRAL, LLC | 3000 WESLAYAN STREET, SUITE 39 HOUSTON, TX 77027 | AFLAC | $8K | $0 | $8K | 10.00% |
| CLARUS BENEFITS GROUP LLC3 Filed as: CLARUS BENEFIT GROUP LLC | 3000 WESLAYAN STREET, SUITE 390 HOUSTON, TX 77027 | METLIFE LEGAL PLANS, INC. | $326 | $113 | $439 | 11.74% |
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 | 399 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 261 | $1.6M |
| Dental | AFLAC | 618 | $81K |
| Vision | AFLAC | 618 | $81K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $201K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $201K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $201K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 261 | $1.6M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 404 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 618 | — |
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.