| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 101 GREENWICH STREET, SUITE 902 NEW YORK, NY 10006 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 6.15% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 4.64% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMLES MURPHY & ASSOCIATES LLC | PO BOX 441 DES MOINES, IA 50302 | HUMANA INSURANCE COMPANY | $615 | $0 | $615 | 0.99% |
| RESOURCE PARTNERS CHICAGO INC3 | 85 WEST ALONQUIN ROAD, SUITE 395 ARLINGTON HEIGHTS, IL 60005 | HUMANA INSURANCE COMPANY | $62 | $0 | $62 | 0.10% |
| BENNIE INSURANCE, LLC3 Filed as: BENNIE INSURANCE LLC | 700 CANAL STREET, SUITE 1 STAMFORD, CT 06902 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $831 | $0 | $831 | 9.90% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CO INC | 1125 17TH STREET, SUITE 1450 DENVER, CO 80202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | $0 | $145 | 1.73% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 104 | $62K |
| Vision | HUMANA INSURANCE COMPANY | 104 | $62K |
| Life insurance | HUMANA INSURANCE COMPANY | 104 | $62K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 104 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.