| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC. | 85 WASHINGTON STREET KEENE, NH 03431 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $137K | $137K | 4.50% |
| INSURANCE PLANNING GROUP3 | 85 WASHINGTON STREET KEENE, NH 03431 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 5.00% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC | 85 WASHINGTON STREET KEENE, NH 03431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 10.01% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC | 85 WASHINGTON STREET KEENE, NH 03431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $425 | $4K | 9.57% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP INC | 85 WASHINGTON STREET KEENE, NH 03431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $413 | $3K | 11.92% |
| INSURANCE PLANNING GROUP3 Filed as: INSURANCE PLANNING GROUP, INC. | 85 WASHINGTON ST KEENE, NH 03431 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $470 | $4K | 17.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 SERVICE PROVIDER | Claims processing Service code 12 | — | $0 |
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 | 484 | 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) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 289 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 382 | $233K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 307 | $42K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.