| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES INC DBA LAURUS STRAT | 55 WEST MONROE CHICAGO, IL 60603 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | — | $54K | 22.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $2.3M |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMIN PER AN ASA | Claims processing; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Contract Administrator; Float revenue; Participant communication; Other services Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $1.6M |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CLAIMS PRCSS CONT ADMIN | Contract Administrator; Claims processing Service code 12 | 501 US HIGHWAY 22 2ND FLOOR WEST BRIDGEWATER, NJ 08807 | $202K |
| HUB INTERNATIONAL MIDWEST LTD BROKER | Insurance agents and brokers Service code 22 | 55 E JACKSON AVE CHICAGO, IL 60604 | $35K |
| CIGNA | Contract Administrator; Non-monetary compensation; Direct payment from the plan; Other services; Claims processing; Named fiduciary; Participant communication; Float revenue Service code 12 | — | $0 |
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 | 4,388 | 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) | 4,388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 30 | $239K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 30 | $239K |
| Vision | VISION SERVICE PLAN | 3,917 | $695K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 30 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,917 | — |
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.