| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 9.73% |
| CROSS BENEFIT SOLUTIONS3 | PO BOX 469 AUGUSTA, ME 04332 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 1.57% |
| FLEISCHER JACOBS & ASSOCIATES INC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.22% |
| CROSS BENEFIT SOLUTIONS3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $902 | — | $902 | 1.64% |
| FLEISCHER JACOBS & ASSOCIATES INC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.55% |
| CROSS BENEFIT SOLUTIONS3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $583 | — | $583 | 2.12% |
| FLEISCHER JACOBS & ASSOCIATES INC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.06% |
| CROSS BENEFIT SOLUTIONS3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $450 | — | $450 | 1.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | — | VISION SERVICE PLAN | $537 | — | $537 | 6.19% |
| CROSS BENEFIT SOLUTIONS3 | — | VISION SERVICE PLAN | $148 | — | $148 | 1.71% |
| FLEISCHER JACOBS & ASSOCIATES INC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 16.61% |
| CROSS BENEFIT SOLUTIONS3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $287 | — | $287 | 3.39% |
| FLEISCHER JACOBS & ASSOCIATES INC3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $703 | — | $703 | 16.66% |
| CROSS BENEFIT SOLUTIONS3 | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $140 | — | $140 | 3.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 PROVIDER | Contract Administrator Service code 13 | — | $61K |
| HEALTHY DOLLARS TPA | Claims processing Service code 12 | PO BOX 8592 ESSEX, VT 05451 | $6K |
| CIGNA | Float revenue; Other services; Non-monetary compensation; Participant communication; Named fiduciary; Claims processing; Direct payment from the plan; Contract Administrator 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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $439K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $55K |
| Vision | VISION SERVICE PLAN | 57 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $27K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $23K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.