| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $159K | $159K | 4.56% |
| HR BENEFTS SERVICES INC3 | 10446 NW 31ST TERRACE DORAL, FL 33172 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | $5K | $38K | 11.61% |
| HR BENEFITS SERVICE INC3 | 10446 NW 31ST TER DORAL, FL 33172 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $23K | — | $23K | 11.92% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $16K | — | $16K | 8.32% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $10K | — | $10K | 5.30% |
| WEB TPA3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $10K | — | $10K | 5.20% |
| IMPACT INTERACTIVE LLC3 | P.O. BOX 603188 CHARLOTTE, NC 28260 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $3K | — | $3K | 1.71% |
| HR BENEFITS3 | 10446 NW 31ST TERR DORAL, FL 33172 | NEW BENEFITS | $17K | — | $17K | 13.38% |
| 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 | $12K | $2K | $13K | 16.95% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $1K | $11K | 17.07% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $1K | $8K | 12.96% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $690 | $6K | 16.91% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $362 | $3K | 11.30% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $258 | $4K | 16.08% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $349 | $3K | 11.57% |
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 | 418 | 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) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 406 | $3.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 485 | $324K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 485 | $324K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 418 | $140K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 418 | $85K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $36K |
| Other(6 contracts, 3 carriers) | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | 418 | $507K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.