| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN BENEFITS CONSULTING LLC3 | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | $35K | $20K | $54K | 4.71% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | SECURIAN LIFE INSURANCE COMPANY | $11K | $7K | $18K | 1.57% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INSURANCE | 56 LIVINGSTON AVE ROSELAND, NJ 07068 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | $12K | $60K | 10.67% |
| AMERICAN BENEFITS CONSULTING LLC3 Filed as: AMERICAN BENEFITS CONSULTING, LLC | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.64% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | SECURIAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 56 LIVINGSTON AVE P.O. BOX 369 ROSELAND, NJ 07068 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $11K | 2.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 56 LIVINGSTON AVE PO BOX 369 ROSELAND, NJ 07068 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 3.74% |
| AMERICAN BENEFITS CONSULTING LLC3 Filed as: AMERICAN BENEFITS CONSULTING, LLC | 99 PARK AVENUE 25TH FLOOR NEW YORK, NY 10016 | SECURIAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.70% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC. | 1120 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | SECURIAN LIFE INSURANCE COMPANY | — | $391 | $391 | 0.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CONSULTANT ADMINISTRATOR | Direct payment from the plan; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Other services Service code 12 | — | $1.4M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $179K |
| BROWN & BROWN METRO INSURANCE EIN 22-3451205 CONSULTANT | Claims processing; Contract Administrator; Consulting (general) Service code 12 | — | $178K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 PROVIDER | Other services; Float revenue; Participant communication; Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $11K |
| WAGEWORKS EIN 94-3351864 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | -$54 |
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 | 1,987 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,031 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,014 | $698K |
| Vision | HM LIFE INSURANCE COMPANY | 3,157 | $257K |
| Life insurance(3 contracts) | SECURIAN LIFE INSURANCE COMPANY | 2,230 | $1.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 996 | $405K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 618 | $375K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,014 | $561K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,014 | $561K |
| Other(2 contracts, 2 carriers) | SECURIAN LIFE INSURANCE COMPANY | 2,365 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,014 | — |
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.