| 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 | $37K | — | $37K | 3.16% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $6K | — | $6K | 0.54% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES LITTLE ROCK AR | PO BOX 803507 DALLAS, TX 75380 | AMADA CARE | $3K | — | $3K | 2.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | PO BOX 803507 DALLAS, TX 75380 | ANTHEM LIFE INSURANCE COMPANY | $15K | — | $15K | 14.60% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $831 | $6K | 19.46% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 803507 DALLAS, TX 75380 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $111 | $2K | 7.56% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE. STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $354 | — | $354 | 1.12% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD OVIEDO, FL 32765 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $544 | $6K | 29.33% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 3870 LITTLE ROCK, AR 75380 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $111 | $3K | 11.99% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE. STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $137 | — | $137 | 0.65% |
| EXPLAIN MY BENEFITS LLC3 | 2461 W STATE ROAD 426 STE 2021 OVIEDO, FL 32765 | METLIFE LEGAL PLAN | $695 | — | $695 | 11.14% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 191 | $1.4M |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 191 | $1.2M |
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 191 | $1.2M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 270 | $103K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 270 | $103K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 270 | $103K |
| Other(4 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 270 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.