| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS CONSULTING LLC7 Filed as: AMERICAN BENEFITS CONSULTING | 101 PARK AVENUE 14TH FLOOR NEW YORK, NY 10178 | CIGNA GROUP INSURANCE/LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $93K | $93K | 1.37% |
| AMERICAN BENEFITS AND COMPENSATION Filed as: AMERICAN BENEFITS & COMPENSATION SY | 99 PARK AVE, FL 25 NEW YORK, NY 100161601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | — | $29K | 5.36% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 100878852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $20K | $20K | 7.30% |
| MERCER HEALTH AND BENEFITS, LLC7 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA GROUP INSURANCE/LIFE INSURANCE CO. OF NORTH AMERICA | $19K | $594 | $20K | 20.62% |
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 | 27,416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 428 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 471 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 28,315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,090 | $816K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,090 | $816K |
| Long-term disability | CIGNA GROUP INSURANCE/LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $6.8M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,090 | $270K |
| Other(3 contracts, 3 carriers) | CIGNA GROUP INSURANCE/LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,090 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,090 | — |
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.