| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 190 RIVER ROAD SUMMIT, NJ 07901 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $233K | $4K | $237K | 1.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203066 DALLAS, TX 75320 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $27K | — | $27K | 0.12% |
| MEIJI YASUDA AMERICA, INC.3 | 780 3RD AVENUE, 42ND FLOOR NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$19 | — | -$19 | -0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203066 DALLAS, TX 75320 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $26K | $20K | $46K | 4.46% |
| MEIJI YASUDA AMERICA, INC.3 Filed as: MEIJI YASUDA AMERICA INC | 780 3RD AVENUE, 42ND FLOOR NEW YORK, NY 10017 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | -$986 | — | -$986 | -0.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203066 DALLAS, TX 75320 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 2.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 823237 PHILADELPHIA, PA 19182 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $197 | $197 | 0.19% |
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 | 1,540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 159 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,699 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,712 | $22.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,712 | $22.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,712 | $22.6M |
| Life insurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,712 | $23.6M |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,580 | $103K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,580 | $1.0M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,712 | $22.6M |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,580 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,712 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.