| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYCEUM INSURANCE SERVICES LLC3 | 321 BALLENGER CENTER DR SUITE 125 FREDERICK, MD 21703 | CIGNA HELATH AND LIFE INSURANCE COMPANY | $0 | $159K | $159K | 5.00% |
| LYCEUM INSURANCE SERVICES LLC3 | 321 BALLENGER CENTER DR SUITE 125 FREDERICK, MD 21703 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $14K | $34K | 7.81% |
| LYCEUM INSURANCE SERVICES LLC3 | 321 BALLENGER CENTER DR SUITE 125 FREDERICK, MD 21703 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 19.65% |
| LYCEUM INSURANCE SERVICES LLC3 | 321 BALLENGER CENTER DR SUITE 125 FREDERICK, MD 21703 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 20.25% |
| LYCEUM INSURANCE SERVICES LLC3 | 321 BALLENGER CENTER DR SUITE 125 FREDERICK, MD 21703 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 18.57% |
| 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 | $159K |
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 | 408 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HELATH AND LIFE INSURANCE COMPANY | 314 | $3.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 408 | $435K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 408 | $435K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 408 | $435K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 408 | $435K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 408 | $435K |
| Prescription drug | CIGNA HELATH AND LIFE INSURANCE COMPANY | 314 | $3.2M |
| Other(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 50 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.