| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL INSURANCE MARKETING BROKER | PO BOX 10190 KANSAS CITY, MO 64171 | HUMANA DENTAL INSURANCE COMPANY | — | $952 | $952 | 0.66% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 45263 | HUMANA DENTAL INSURANCE COMPANY | — | $195 | $195 | 0.14% |
| THE ABACUS GROUP LLC3 | 2541 LAFAYETTE PLAZA DRIVE ALBANY, GA 31707 | UNION SECURITY INSURANCE COMPANY | $12 | — | $12 | 12.50% |
| DISABILITY RMS5 Filed as: DISABILITY RMS INC | ONE RIVERFRONT PLAZA WESTBROOK, ME 040929700 | UNION SECURITY INSURANCE COMPANY | — | $4 | $4 | 4.17% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY INC | 1820 E. 1ST STREET SANTA ANA, CA 92705 | UNION SECURITY INSURANCE COMPANY | $4 | — | $4 | 4.17% |
| ACCESS BENEFIT CONSULTANTS, INC.3 Filed as: ACCESS BENEFIT CONSULTANTS INC | 7177 HICKMAN ROAD SUITE 8A URBANDALE, IA 50322 | UNION SECURITY INSURANCE COMPANY | $4 | — | $4 | 4.17% |
| JOHN CATON3 | PO BOX 6565 LEAWOOD, KS 66206 | UNION SECURITY INSURANCE COMPANY | $2 | — | $2 | 2.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS PERRIN FORESTER AND CROSBY I | MELLON BANK CENTER 1735 MARKET STREET PHILIDELPHIA, PA 191037501 | UNION SECURITY INSURANCE COMPANY | $0 | $1 | $1 | 1.04% |
| THE ABACUS GROUP LLC3 | 252 HARRY LANE BLVD SUITE 100 KNOXVILLE, TN 37923 | UNION SECURITY INSURANCE COMPANY | — | $0 | $0 | 0.00% |
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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA DENTAL INSURANCE COMPANY | 263 | $144K |
| Vision | HUMANA DENTAL INSURANCE COMPANY | 263 | $144K |
| Life insurance(2 contracts, 2 carriers) | HUMANA DENTAL INSURANCE COMPANY | 406 | $158K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 406 | $14K |
| Other | UNION SECURITY INSURANCE COMPANY | 6 | $96 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.