| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER ST STE 1410 LITTLE ROCK, AR 72201 | AMERITAS LIFE INSURANCE CORP | — | $2K | $2K | 0.54% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRE PKWY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.01% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRE PKWY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.24% |
| AVANT SPECIALTY BENEFITS LLC3 | 2727 GRAND PRAIRIE PKWY WAUKEE, IA 50263 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.03% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | 2461 W SR 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 7.94% |
| STEPHENS INSURANCE LLC3 | 111 CENTER STREET LITTLE ROCK, AR 72201 | TRUSTMARK INSURANCE COMPANY | $9K | — | $9K | 7.57% |
| EXPLAIN MY BENEFITS LLC3 Filed as: EXPLAIN MY BENEFITS | 2461 W SR 426 SUITE 2021 OVIEDO, FL 32765 | TRUSTMARK INSURANCE COMPANY | $2K | — | $2K | 16.00% |
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 | 769 | 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) | 769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,117 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORP | 1,412 | $360K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,412 | $360K |
| Life insurance | STANDARD INSURANCE COMPANY | 769 | $169K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,133 | $157K |
| Long-term disability | STANDARD INSURANCE COMPANY | 362 | $188K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,117 | $1.5M |
| Other(2 contracts) | TRUSTMARK INSURANCE COMPANY | 388 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,412 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.