| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS, LLC | 2461 WEST STATE ROAD 426 SUITE 2021 OVIEDO, FL 32765 | TRANSAMERICA LIFE INSURANCE COMPANY | $31K | — | $31K | 13.55% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | 315 W THIRD STREET LITTLE ROCK, AR 72201 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | — | $13K | 5.81% |
| DAVID C CLOUD JR3 Filed as: DAVID WARD | 6 NOTASULGA DR. SW ROME, GA 30161 | TRANSAMERICA LIFE INSURANCE COMPANY | $12 | — | $12 | 0.01% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC. | P.O BOX 3870 LITTLE ROCK, AR 72203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $1K | $27K | 15.69% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF ARKANSAS | 315 WEST 3RD. STREET LITTLE ROCK, AR 72201 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 4.20% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | P.O BOX 3870 LITTLE ROCK, ID 72203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $944 | $22K | 15.67% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | P.O BOX 3870 LITTLE ROCK, AR 72203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 10.70% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTHWEST, INC. | PO BOX 3870 LITTLE ROCK, AR 72203 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 12.11% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC OF ARKANSAS | 315 WEST 3RD. STREET LITTLE ROCK, AR 72201 | STANDARD INSURANCE COMPANY | $702 | — | $702 | 4.17% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES INC | P.O BOX 3870 LITTLE ROCK, AR 72203 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $42 | $2K | 12.86% |
| 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 | $999 | — | $999 | 190.29% |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 476 | $151K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 467 | $45K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 627 | $352K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $171K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 113 | $140K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 476 | $525 |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 661 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 661 | — |
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.