| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROSS INSURANCE Filed as: CROSS INSURANCE - NEW YORK, INC | 116 COMMUNITY DRIVE AUGUSTA, ME 04330 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $83K | $83K | 3.10% |
| ACRISURE LLC Filed as: FOA AND SON | 68 SOUTH SERVICE ROAD, SUITE 210 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $20K | $20K | 0.74% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL SUITE 400S DALLAS, TX 75251 | GUARDIAN | $20K | — | $20K | 9.87% |
| CHARLES GOODMAN CONSULTING LTD | 1210 PLEASANTVILLE ROAD BRIARCLIFF, NY 10510 | VISION SERVICE PLAN | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS LLC EIN 27-2256926 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 2508 HIGHLANDER WAY CARROLLTON, TX 75006 | $6K |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 149 | $2.7M |
| Dental | GUARDIAN | 143 | $200K |
| Vision | VISION SERVICE PLAN | 87 | $13K |
| Life insurance | GUARDIAN | 143 | $200K |
| Long-term disability | GUARDIAN | 143 | $200K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.