| 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 | $9K | — | $9K | 0.93% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $57K | — | $57K | 24.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | 315 W THIRD STREET LITTLE ROCK, AR 72201 | TRANSAMERICA LIFE INSURANCE COMPANY | $24K | — | $24K | 10.50% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | P.O BOX 3870 LITTLE ROCK, AR 72203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | $639 | $30K | 15.32% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | P.O BOX 3870 LITTLE ROCK, ID 72203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $527 | $24K | 15.33% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | P.O BOX 3870 LITTLE ROCK, AR 72203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $8K | 12.33% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 3870 LITTLE ROCK, AR 72203 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 8.44% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | P.O BOX 3870 LITTLE ROCK, AR 72203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $94 | $1K | 13.62% |
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 | 469 | 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) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 554 | $963K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 486 | $38K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 927 | $295K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 371 | $199K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $159K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 554 | $963K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 927 | $243K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.