| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | $0 | $45K | 7.45% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $18K | $18K | 2.98% |
| ADVOCATE, INC.3 | 7118 SE REED COLLEGE PLACE PORTLAND, OR 97202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $0 | $18K | 2.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.17% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.68% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.80% |
| ADVOCATE, INC.3 | 7118 SE REED COLLEGE PLACE PORTLAND, OR 97202 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $698 | $698 | 1.21% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $604K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $604K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $604K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $58K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $58K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $604K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 130 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.