| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CINDY A BORDEN3 | 609 SW 8TH STREET SUITE 600 BENTONVILLE, AK 72712 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 5.66% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 50 S 6TH STREET SUITE 975 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $737 | $0 | $737 | 2.23% |
| CINDY A BORDEN3 | 609 SW 8TH STREET SUITE 600 BENTONVILLE, AR 72712 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 25.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 50 S 6TH STREET SUITE 975 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $183 | $0 | $183 | 0.94% |
| CINDY A BORDEN3 | 609 SW 8TH STREET SUITE 600 BENTONVILLE, AR 72712 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 10.65% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 50 S 6TH STREET SUITE 975 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 7.75% |
| CINDY A BORDEN3 | 609 SW 8TH STREET SUITE 600 BENTONVILLE, AR 72712 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 7.65% |
| CINDY A BORDEN3 | 609 SW 8TH STREET SUITE 600 BENTONVILLE, AR 72712 | STANDARD INSURANCE COMPANY | $781 | $0 | $781 | 6.43% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 50 S 6TH STREET SUITE 975 MINNEAPOLIS, MN 55402 | STANDARD INSURANCE COMPANY | $523 | $0 | $523 | 4.30% |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 97 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 202 | $33K |
| Short-term disability | STANDARD INSURANCE COMPANY | 35 | $12K |
| Long-term disability | STANDARD INSURANCE COMPANY | 138 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.