| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYCEUM INSURANCE SERVICES LLC3 Filed as: LYCEUM INSURANCE SERVICES | PO BOX 9 MONROVIA, MD 21770 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $195K | $195K | 7.00% |
| STEPHEN M BLAIR3 | PO BOX 9 MONROVIA, MD 21770 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.86% |
| STEPHEN M BLAIR3 | PO BOX 9 MONROVIA, MD 21770 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CARRIER | Insurance services Service code 23 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $195K |
| CIGNA HEALTH AND LIFE INSURACNE CO | Insurance services Service code 23 | — | $1K |
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 | 308 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 308 | $2.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 436 | $150K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 308 | $2.8M |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 243 | $66K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 308 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.