| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLEN GROUP LLC3 Filed as: MILLEN GROUP | 7501 BOULDER VIEW DR STE 220 NORTH CHESTERFIELD, VA 23225 | PAN-AMERICAN LIFE INS | $75K | — | $75K | 19.68% |
| AUXIANT3 | 3002 PERRY ST MADISON, WI 53713 | PAN-AMERICAN LIFE INS | $3K | — | $3K | 0.83% |
| MILLEN GROUP LLC3 | 7812 ROCK CRESS DR MOSELEY, VA 231201707 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 6.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PAN-AMERICAN LIFE INS EIN 72-0281240 CONTRACT ADMINISTRATOR | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $49K |
| HUMANA INSURANCE COMPANY EIN 39-1263473 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other services Service code 12 | — | $0 |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN-AMERICAN LIFE INS | 106 | $379K |
| Dental | HUMANA INSURANCE COMPANY | 125 | $55K |
| Vision | HUMANA INSURANCE COMPANY | 125 | $55K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INS | 106 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.