| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPANIES | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $104K | $104K | 3.10% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $9K | $28K | 12.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 6.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 736 SOUTH STONE AVENUE LA GRANGE, IL 60525 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.30% |
| INTEGRATED ENROLLMENT & TECHNOLOGY5 Filed as: INTEGRATED ENROLLED AND TECHNOLOGY | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.89% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPANIES | 3696 NORTH FEDERAL HIGHWAY SUITE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | $2K | $13K | 6.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4250 CONGRESS STREET, SUITE 200 CHARLOTTE, FL 28209 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $0 | $9K | 4.18% |
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 | 221 | 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) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 313 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 230 | $204K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 230 | $204K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $223K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $223K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $223K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 313 | $3.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.