| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSCA INSURANCE BROKERAGE INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | $0 | $39K | 7.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS, INC EIN 06-1475928 N/A | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Float revenue Service code 12 | — | $345K |
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 N/A | Claims processing Service code 12 | — | $13K |
| GOWRIE GROUP, INC EIN 06-1239436 N/A | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $0 |
| PROGRESSIVE BENEFIT SOLUTIONS EIN 56-2475468 N/A | Insurance agents and brokers; Other commissions; Non-monetary compensation Service code 22 | — | $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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS, INC | 248 | $1.1M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS, INC | 248 | $1.1M |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC | 228 | $574K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.