| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHERN BENEFITS3 Filed as: NORTHERN BENEFITS, LTD. | 1233 SHELBURNE ROAD SUITE C-2A SO. BURLINGTON, VT 05403 | CIGNA HEATLH & LIFE INSURANCE COMPANY | $30K | — | $30K | 8.43% |
| NORTHERN BENEFITS3 Filed as: NORTHERN BENEFITS, LTD. | 1233 SHELBURNE ROAD SUITE C-2A SO. BURLINGTON, VT 05403 | COMPANION LIFE | $2K | — | $2K | 9.44% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | TWO DELTA DRIVE SUITE 301 CONCORD, NH 03301 | COMPANION LIFE | $1K | — | $1K | 5.12% |
| NORTHERN GROUP BENEFITS3 Filed as: NORTHERN GROUP SERVICES | P.O. BOX 18 STOCKBRIDGE, VT 05772 | COMPANION LIFE | $198 | — | $198 | 0.81% |
| NORTHERN BENEFITS3 Filed as: NORTHERN BENEFITS, LTD. | 1233 SHELBURNE RD. SUITE C-2A SOUTH BURLINGTON, VT 05403 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031107 NONE | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | 900 COTTAGE GROVE ROAD HARTFORD, CT 06152 | $33K |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEATLH & LIFE INSURANCE COMPANY | 214 | $351K |
| Vision | CIGNA HEATLH & LIFE INSURANCE COMPANY | 214 | $351K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $11K |
| Short-term disability | COMPANION LIFE | 210 | $24K |
| Prescription drug | CIGNA HEATLH & LIFE INSURANCE COMPANY | 214 | $351K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 201 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.