| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TER DORAL, FL 331721200 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $29K | $89K | $117K | 4.46% |
| HR BENEFITS SERVICES, INC.3 Filed as: HR BENEFITS SERVICES INC | 10446 NW 31ST TER FL 2 DORAL, FL 331721200 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 17.63% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $1K | $9K | 17.46% |
| HR BENEFITS SERVICE INC3 | 10446 NW 31ST TERRACE DORAL, FL 33172 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.14% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITSLLC | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $519 | — | $519 | 3.61% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $412 | $2K | 18.23% |
| HR BENEFITS SERVICEINC3 | 10446 NW 31ST TERRACE DORAL, FL 33172 | TRANS CONN TLIC | $21 | — | $21 | 4.57% |
| EXCELSIOR BENEFITS LLC3 Filed as: EXCELSIOR BENEFITSLLC | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANS CONN TLIC | $9 | — | $9 | 1.96% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $778 | $5K | — |
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 | 518 | 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) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,270 | $2.6M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,270 | $2.6M |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,270 | $2.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 518 | $113K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 68 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 71 | $0 |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 518 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,270 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.