| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA5 Filed as: CIGNA HEALTH AND LIFE INSURANCE CO | PO BOX 182223 CHATTANOOGA, MA 37422 | GRANULAR INSURANCE COMPANY | $0 | $422K | $422K | 76.80% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES | 160 FEDERAL STREET BOSTON, MA 02110 | GRANULAR INSURANCE COMPANY | $27K | $38K | $66K | 12.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $10K | $10K | 5.49% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $9K | $9K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8K | $8K | 5.46% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8K | $8K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 8.77% |
| SELMAN & COMPANY, LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $961 | $961 | 6.56% |
| SELMAN & COMPANY, LLC3 | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $733 | $733 | 5.00% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS BROKERS (LIST ATTACHED) | — | AFLAC | $578 | $0 | $578 | 9.32% |
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 | 496 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 523 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 391 | $83K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $151K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $178K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $62K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 490 | $549K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.