| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NGAGE, LLC3 Filed as: NGAGE LLC | 7325 JANES AVE WOODRIDGE, IL 60517 | CONTINENTAL AMERICAN INSURANCE CO | $25K | — | $25K | 15.65% |
| 4 PILLARS MANAGEMENT LLC3 | 3130 N ARIZONA AVE CHANDLER, AZ 85225 | CONTINENTAL AMERICAN INSURANCE CO | $21K | — | $21K | 13.09% |
| SCOTT A HOWARD3 Filed as: SCOTT HOWARD | 3130 N ARIZONA AVE STE 112 CHANDLER, AZ 85225 | TRUSTMARK VOLUNTARY BENEFIT SOLUTIO | $23K | — | $23K | 20.27% |
| 4 PILLARS MANAGEMENT LLC3 | 3130 N ARIZONA AVE STE 112 CHANDLER, AZ 85225 | TRUSTMARK VOLUNTARY BENEFIT SOLUTIO | $8K | — | $8K | 7.05% |
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 | 281 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | TRUSTMARK VOLUNTARY BENEFIT SOLUTIO | 137 | $114K |
| Other | CONTINENTAL AMERICAN INSURANCE CO | 281 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.