| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INSURANCE PARTNERS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.39% |
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INSURANCE PARTNERS | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 4.61% |
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INSURANCE PARTNERS | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | — | $16K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 4.48% |
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INSURANCE PARTNERS | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 5.11% |
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INSURANCE PARTNERS | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.57% |
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INSURANCE PARTNERS | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INSURANCE PARTNERS | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INSURANCE PARTNERS | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ALIUM INSURANCE PARTNERS, LLC3 Filed as: ALIUM INSURANCE PARTNERS | 1801 FRANKFORT AVENUE LOUISVILLE, KY 40206 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $70 | — | $70 | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $32 | $32 | 4.57% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 600 | $805K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 600 | $805K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $131K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $118K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $104K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 600 | $805K |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.