| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUIS LOPEZ LUNA3 | CALLE J #21 URB. VILLA CAPARRA GUAYNABO, PR 00966 | MCS LIFE INSURANCE COMPANY | $21K | — | $21K | 4.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 THIRD PARTY ADMIN. | Participant communication; Float revenue; Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | — | $4.7M |
| EXPRESS SCRIPTS CONTRACT ADMIN. | Claims processing; Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Other services Service code 12 | ONE EXPRESS WAY ST LOUIS, MO 63121 | $443K |
| CONSUMER MEDICAL CONTRACT ADMIN. | Claims processing; Contract Administrator; Named fiduciary; Participant communication Service code 12 | 141 LONGWATER DRIVE SUITE 113-A NORWELL, MA 02061 | $336K |
| CIGNA BEHAVIORAL HEALTH INC EIN 41-1648670 PLAN ADMINISTRATOR | Direct payment from the plan; Participant communication; Contract Administrator; Claims processing Service code 12 | — | $117K |
| BENEFIT CONCEPTS, INC CONTRACT ADMIN | Contract Administrator; Participant communication; Claims processing Service code 12 | 20RISHO DRIVE EAST PROVIDENCE, RI 02914 | $51K |
| CIGNA | Participant communication; Claims processing; Other services; Float revenue; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary 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 | 8,577 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MCS LIFE INSURANCE COMPANY | 46 | $419K |
| Dental | MCS LIFE INSURANCE COMPANY | 46 | $419K |
| Vision | EYEMED VISION CARE | 10,075 | $610K |
| Life insurance(2 contracts, 2 carriers) | UNICARE | 8,010 | $3.1M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 7,919 | $1.8M |
| Other(2 contracts, 2 carriers) | EYEMED VISION CARE | 10,075 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,075 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.