| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $28K | $28K | 1.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLING LLC | 15200 OMEGA DRIVE SUITRE 100 ROCKVILLE, MD 20878 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $631 | $27K | $28K | 1.76% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $6K | $6K | 0.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLING, LLC | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 11.12% |
| NATIONAL BENEFIT CENTER3 | 6830 COCRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $857 | $857 | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLIING, LLC | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $866 | $4K | 11.70% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $742 | $742 | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY, CASSIDY & SCHILLING, LLC | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $678 | $4K | 14.68% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $582 | $582 | 2.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: EARLY CASSIDY & SCHILLING LLC | 15200 OMEGA DRIVE SUITE 100 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $780 | $160 | $940 | 18.07% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $137 | $137 | 2.63% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $1.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 138 | $1.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $35K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $28K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.