| 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 | — | $104K | $104K | 4.00% |
| HR BENEFTS SERVICES INC3 | 10446 NW 31ST TERRACE DORAL, FL 33172 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 9.94% |
| HR BENEFITS SERVICE INC3 | 10446 NW 31ST TER DORAL, FL 33172 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $12K | — | $12K | 11.92% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $10K | — | $10K | 10.18% |
| EXCELSIOR BENEFITS LLC3 | 23505 SMITHTOWN RD STE 200 EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $5K | — | $5K | 5.30% |
| WEB TPA3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | $5K | — | $5K | 5.05% |
| 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 | $4K | $12K | 21.13% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $8K | 22.46% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.50% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $1K | $3K | 18.47% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 22.90% |
| HR BENEFITS SERVICES, INC.3 | 10446 NW 31ST TER FL 2 DORAL, FL 33172 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $998 | $2K | 17.47% |
| HR BENEFITS3 | 10446 NW 31ST TERR DORAL, FL 33172 | NEW BENEFITS | $140 | — | $140 | 38.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATION FEES | Plan Administrator Service code 14 | — | $111K |
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 | 338 | 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) | 338 | 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 | 302 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 315 | $262K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 315 | $262K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 338 | $95K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $30K |
| Other(6 contracts, 3 carriers) | TRANSAMERICA INSURANCE CO. MEDICARE SUPPLEMENT | 338 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.