| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIZIENT INSURANCE SERVICES LLC3 Filed as: VIZIENT INSURANCE SERVICES, LLC | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | $23K | $38K | $61K | 8.16% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INS. SERVICES, LLC | PO BOX 842167 DALLAS, TX 75284 | HARTFORD LIFE AND ACCIDENT | $44K | $0 | $44K | 5.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 1.80% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROUTE 426 SUITE 2021 OVIEDO, FL 32765 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $58K | $0 | $58K | 14.39% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 825 DENVER, CO 80237 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $1K | $17K | 4.26% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROUTE SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $7K | $0 | $7K | 6.39% |
| VIZIENT INSURANCE SERVICES LLC3 Filed as: VIZIENT INSURANCE SERVICES, LLC | 290 EAST JOHN CARPENTER FAIRWAY IRVING, TX 75062 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 1.64% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 1.64% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 1530 RAX COURT JEFFERSON CITY, MO 65109 | TRUSTMARK INSURANCE COMPANY | $754 | $0 | $754 | 0.69% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID AMERICA INS. SERVICES, LLC | 841 NW HIGH POINT DRIVE LEES SUMMIT, MO 64081 | TRUSTMARK INSURANCE COMPANY | $754 | $0 | $754 | 0.69% |
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 | 2,145 | 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) | 2,145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,145 | $856K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,145 | $746K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,145 | $746K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,145 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,145 | — |
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.