| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOUIS MENAGED3 | 10225 COLLINS AVE APT 203 BAL HARBOUR, FL 33154 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $82K | $82K | 4.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 12404 PARK CENTRAL DR SUITE 4005 DALLAS, TX 75251 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $38K | $38K | 1.98% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 12404 PARK CENTRAL DR SUITE 4005 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 4.96% |
| LOUIS MENAGED3 | 10225 COLLINS AVE APT 203 BAL HARBOUR, FL 33154 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 3.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA DENTAL HEALTH OF NEW JERSEY INC. | — | $105 | $105 | 5.00% |
| LOUIS MENAGED3 | 6045 LAGORCE DR MIAMI BEACH, FL 33140 | CIGNA DENTAL HEALTH OF NEW JERSEY INC. | $84 | — | $84 | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS (NY) | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $26 | $26 | 5.06% |
| LOUIS MENAGED3 | 10225 COLLINS AVENUE APT 203 BAL HARBOUR, FL 33154 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $21 | — | $21 | 4.09% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS (NY) | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | CIGNA HEALTHCARE OF CONNECTICUT INC | — | $6 | $6 | 4.65% |
| LOUIS MENAGED3 | 10225 COLLINS AVENUE APT 203 BAL HARBOUR, FL 33154 | CIGNA HEALTHCARE OF CONNECTICUT INC | $5 | — | $5 | 3.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMP EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 1 COMMERCIAL PLAZA HARTFORD, CT 06103 | $76K |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 195 | $1.9M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.