| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C1 BENEFITS3 | 63 INTERLAKEN ORLANDO, FL 32804 | PAN-AMERICAN LIFE INSURANCE COMPANY | $14K | — | $14K | 11.57% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS ST NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $12K | $12K | 9.74% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLANO RD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $5K | $5K | 3.83% |
| SIGNIFICA BENEFIT SERVICES, INC.0 Filed as: SIGNIFICA BENEFIT SERVICES, INC | PO BOX 7777 LANCASTER, PA 17604 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.13% |
| JP MORGAN CHASE BANK1 | 201 ST CHARLES AVE, 28TH FLOOR NEW ORLEANS, LA 70170 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $107 | $107 | 0.09% |
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 | 71 | 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) | 71 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 72 | $120K |
| Other | PAN-AMERICAN LIFE INSURANCE COMPANY | 72 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 72 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.