| 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 | $90K | — | $90K | 10.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE (NJ) | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $78 | $78 | 0.01% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 9.91% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $774 | — | $774 | 10.00% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $474 | — | $474 | 10.00% |
| MICHAEL ROSENBERG3 | GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF CALIFORNIA | $437 | — | $437 | 9.99% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $287 | — | $287 | 9.99% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $236 | — | $236 | 10.02% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $195 | — | $195 | 9.99% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF OHIO, INC. | $165 | — | $165 | 9.99% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $163 | — | $163 | 10.01% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $152 | — | $152 | 9.99% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF COLORADO | $90 | — | $90 | 10.00% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $77 | — | $77 | 9.97% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $64 | — | $64 | 9.95% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVECIR STE 309 DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $56 | — | $56 | 10.05% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $28 | — | $28 | 10.04% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $26 | — | $26 | 10.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATOR FEES | Direct payment from the plan; Non-monetary compensation; Contract Administrator; Other services; Float revenue; Named fiduciary; Claims processing; Participant communication Service code 12 | — | $58K |
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 | 304 | 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) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 350 | $868K |
| Dental(16 contracts, 16 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 347 | $277K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 347 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.