| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $64K | — | $64K | 11.43% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 9.92% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $481 | — | $481 | 10.01% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $230 | — | $230 | 9.99% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $210 | — | $210 | 10.00% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $210 | — | $210 | 10.00% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $202 | — | $202 | 9.98% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $124 | — | $124 | 10.01% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $109 | — | $109 | 10.02% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $99 | — | $99 | 10.04% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF CALIFORNIA | $94 | — | $94 | 10.04% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF COLORADO | $91 | — | $91 | 9.99% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $81 | — | $81 | 10.01% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVECIR STE 309 DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $68 | — | $68 | 9.96% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF OHIO, INC. | $33 | — | $33 | 10.03% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $30 | — | $30 | 9.87% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | $5 | — | $5 | 9.80% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA HEALTHCARE OF CONNECTICUT | $3 | — | $3 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATOR FEES | Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator; Non-monetary compensation; Other services; Participant communication; Float revenue Service code 12 | — | $62K |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $561K |
| Dental(17 contracts, 17 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $178K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.