| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | 315 W 3RD ST. LITTLE ROCK, AR 722012411 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $72K | — | $72K | 2.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | 315 W 3RD ST. LITTLE ROCK, AR 722012411 | AMERITAS LIFE INSURANCE CORP. | $29K | $7K | $36K | 12.09% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 327654508 | AMERITAS LIFE INSURANCE CORP. | $15K | — | $15K | 4.98% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | — | $26K | 22.44% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 803507 DALLAS, TX 75380 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.49% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | PO BOX 803507 DALLAS, TX 75380 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | — | $17K | 15.11% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD OVIEDO, FL 327654508 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $2K | $40K | 39.15% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 3870 LITTLE ROCK, AR 722033870 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $77 | $13K | 13.16% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES OF TEXAS INC. | 2711 N HASKELL AVE. SUITE 800 DALLAS, TX 752042932 | METROPOLITAN LIFE INSURANCE COMPANY | — | $345 | $345 | 0.34% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | PO BOX 803507 DALLAS, TX 75380 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | PO BOX 803507 DALLAS, TX 75380 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | METLIFE LEGAL PLAN | $2K | — | $2K | 9.78% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | PO BOX 3870 LITTLE ROCK, AR 72203 | METLIFE LEGAL PLAN | — | $702 | $702 | 3.08% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | PO BOX 803507 DALLAS, TX 75380 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | $3K | $54K | — |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 3870 LITTLE ROCK, AR 722033870 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $77 | $19K | — |
| AON CONSULTING INC3 Filed as: AON RISK SERVICE OF TEXAS INC. | 2711 N HASKELL AVE. SUITE 800 DALLAS, TX 752042932 | METROPOLITAN LIFE INSURANCE COMPANY | — | $410 | $410 | — |
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 | 535 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 538 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 703 | $2.9M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 516 | $300K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 516 | $300K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 823 | $186K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 269 | $115K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $75K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 703 | $2.8M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 823 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 823 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.