| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 | UNKNOWN IRVING, TX 75061 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | $0 | $60K | 12.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 14241 DALLAS PARKWAY, SUITE 700 DALLAS, TX 75254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 1.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $882 | $8K | 5.38% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $116 | $8K | 5.18% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 9.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.76% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.46% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $185 | $17 | $202 | 5.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $169 | $21 | $190 | 5.53% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 310 | $493K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 412 | $151K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 412 | $147K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $114K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $114K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $114K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 310 | $493K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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.