| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT SPECIALIST INC4 Filed as: EMPLOYEE BENEFIT SPECIALIST, LLC | PO BOX 80157 SIMPSONVILLE, SC 29680 | CIGNA | $143K | $6K | $149K | 17.23% |
| EMPLOYEE BENEFIT SPECIALIST INC3 Filed as: EMPLOYEE BENEFIT SPECIALIST, LLC | PO BOX 80157 SIMPSONVILLE, SC 29680 | CIGNA | $18K | — | $18K | 2.13% |
| EMPLOYEE BENEFIT SPECIALISTS3 | PO BOX 80157 SIMPSONVILLE, SC 29680 | CIGNA GROUP INSURANCE | $29K | — | $29K | 14.34% |
| EMPLOYEE BENEFIT SPECIALISTS3 | PO BOX 80157 SIMPSONVILLE, SC 29680 | CIGNA GROUP INSURANCE | $16K | — | $16K | 8.43% |
| EMPLOYEE BENEFIT SPECIALISTS3 | PO BOX 80157 SIMPSONVILLE, SC 29680 | CIGNA GROUP INSURANCE | $5K | — | $5K | 14.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FLORES ADMINISTRATION SOLUTIONS EIN 56-1542307 ADMINISTRATOR | Plan Administrator Service code 14 | 12519 WINEXBURG MANOR DRIVE SILVER SPRINGS, MD 20906 | $34K |
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 | 1,124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 1,124 | $864K |
| Life insurance | CIGNA GROUP INSURANCE | 638 | $201K |
| Short-term disability | CIGNA GROUP INSURANCE | 521 | $185K |
| Long-term disability | CIGNA GROUP INSURANCE | 521 | $185K |
| Prescription drug | CIGNA | 1,124 | $864K |
| Other(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 737 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,124 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.