| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRAVITY BENEFITS INC3 Filed as: GRAVITY BENEFITS, INC. | 26701 DUBLIN WOODS CIRCLE 2ND FLOOR BONITA SPRINGS, FL 341350000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $18K | $20K | 1.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 201503 DALLAS, TX 753200000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $799 | $9K | $10K | 0.75% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203312 DALLAS, TX 753203312 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.85% |
| GRAVITY BENEFITS INC3 | 26701 DUBLIN WOODS CIR STE 2 BONITA SPRINGS, FL 341357227 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.62% |
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 | 331 | 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) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $1.3M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $84K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $84K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.