| 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 | $36K | — | $36K | 3.05% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $6K | — | $6K | 0.53% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | PO BOX 803507 DALLAS, TX 75380 | ANTHEM LIFE INSURANCE COMPANY | $16K | — | $16K | 12.65% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $930 | $7K | 26.09% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 803507 DALLAS, TX 75380 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $112 | $3K | 10.17% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE. STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $46 | — | $46 | 0.16% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD OVIEDO, FL 327654508 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $840 | $9K | 38.90% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 3870 LITTLE ROCK, AR 722033870 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $112 | $4K | 15.59% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE. STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $22 | — | $22 | 0.10% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | METLIFE LEGAL PLAN | $928 | $127 | $1K | 11.07% |
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 | 138 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 231 | $1.2M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 231 | $1.2M |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 231 | $1.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 252 | $123K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 252 | $123K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 252 | $123K |
| Other(4 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 252 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.