| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 803507 DALLAS, TX 75380 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $41K | — | $41K | 31.46% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $6K | — | $6K | 4.58% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | PO BOX 803507 DALLAS, TX 75380 | ANTHEM LIFE INSURANCE COMPANY | $20K | — | $20K | 18.22% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $913 | $9K | 23.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 3870 LITTLE ROCK, AR 72203 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $55 | $3K | 9.20% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD OVIEDO, FL 327654508 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 31.04% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 3870 LITTLE ROCK, AR 722033870 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $55 | $3K | 11.81% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | METLIFE LEGAL PLAN | $1K | — | $1K | 10.23% |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 671 | $158K |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 671 | $130K |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 671 | $130K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 672 | $108K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 672 | $108K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 672 | $108K |
| Other(4 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 672 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.