| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $173K | $1K | $175K | 3.44% |
| LIFETIME BENEFITS INSURANCE LLP3 Filed as: LIFETIME BENEFITS GROUP, INC. | 689 UNION ST. MANCHESTER, NH 03105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 0.21% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 3.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 2.78% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | ANTHEM HEALTH PLANS, INC. | $10K | — | $10K | 3.18% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $17K | $56K | 21.65% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | ANTHEM HEALTH PLANS, INC. | $0 | $7K | $7K | 3.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 3 COPLEY PLACE BOSTON, MA 02116 | DELTA DENTAL PLAN OF OHIO | $7K | — | $7K | 3.50% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.47% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 TOMAHAWK CREEK PKWY LEEWOOD, KS 66211 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $2K | — | $2K | 1.76% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $6K | $18K | 22.71% |
| HP PLANNING LLC3 | 1100 SUMMER STREET 2ND FLOOR STAMFORD, CT 06905 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $723 | $12K | 20.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | P.O. BOX 416672 BOSTON, MA 02241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 13.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | P.O. BOX 416672 BOSTON, MA 02241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | P.O. BOX 416672 BOSTON, MA 02241 | VISION SERVICE PLAN | $3K | — | $3K | 10.00% |
| HP PLANNING LLC3 | 1100 SUMMER STREET STAMFORD, CT 06905 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 TOMAHAWK CREEK PKWY LEEWOOD, KS 66211 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $350 | — | $350 | 1.39% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 452632886 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD SUITE 300 CHARLOTTE, NC 28211 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $967 | — | $967 | 4.25% |
| LIFETIME BENEFITS INSURANCE LLP3 Filed as: LIFETIME BENEFITS GROUP INC. | 689 UNION ST. MANCHESTER, NH 03105 | UNICARE LIFE & HEALTH INSURANCE COMPANY | $2K | — | $2K | 9.22% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 11440 TOMAHAWK CREEK PKWY LEEWOOD, KS 66211 | HUMANA INSURANCE COMPANY | $150 | — | $150 | 0.74% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 133 FEDERAL STREET 2ND FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 22.27% |
| HP PLANNING LLC3 | 1100 SUMMER STREET 2ND FLOOR STAMFORD, CT 06905 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $87 | $1K | 19.88% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, NORTHEAST | 199 WATER STREET 32ND FLOOR NEW YORK, NY 10038 | ZURICH AMERICAN INSURANCE COMPANY | $787 | — | $787 | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES, NORTHEAST | 199 WATER STREET 32ND FLOOR NEW YORK, NY 10038 | ZURICH AMERICAN INSURANCE COMPANY | $624 | — | $624 | 19.99% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICES INC | P.O. BOX 632886 CINCINNATI, OH 452632886 | KANAWHA INSURANCE COMPANY | $290 | $3 | $293 | 12.44% |
| PIERCE DWIGHT - WBS3 Filed as: PIERCE, DWIGHT- WBS | 2300 NW CORPORATE BLVD SUITE 215 BOCA RATON, FL 334317345 | KANAWHA INSURANCE COMPANY | $86 | — | $86 | 3.65% |
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 | 1,010 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 164 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 103 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,194 | $6.2M |
| Dental(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,194 | $5.7M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,194 | $5.1M |
| Life insurance(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 678 | $449K |
| Short-term disability | UNICARE LIFE & HEALTH INSURANCE COMPANY | 190 | $21K |
| Long-term disability(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 557 | $201K |
| Prescription drug(9 contracts, 7 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,194 | $5.6M |
| Other(14 contracts, 9 carriers) | ANTHEM HEALTH PLANS, INC. | 578 | $595K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,194 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.