| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST INC | 315 WEST 3RD. STREET LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 4.12% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $67K | — | $67K | 43.83% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | 315 W THIRD STREET LITTLE ROCK, AR 72201 | TRANSAMERICA LIFE INSURANCE COMPANY | $15K | — | $15K | 10.01% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606831298 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | — | $13K | 8.78% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 315 W 3RD STEET LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $8K | 6.49% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 315 W 3RD STREET LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $2K | $16K | 16.55% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | 315 W 3RD STREET LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $1K | $15K | 16.33% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS SEE ATTACHED COLONIAL SCH A | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $809 | $9K | 22.51% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 3870 LITTLE ROCK, AR 72203 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.71% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | 315 W 3RD STREET LITTLE ROCK, AR 72201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $772 | $109 | $881 | 7.83% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFIT PROGRAMS AN AON COMP | 897 12TH STREET HAMMOND, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $29 | $38 | 7.31% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - LITTLE ROCK | 75 REMITTANCE DRIVE STE. #1446 CHICAGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.77% |
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 | 563 | 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) | 563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 622 | $189K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 525 | $27K |
| Life insurance(4 contracts, 4 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 927 | $315K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 148 | $91K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $97K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 927 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.