| 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 | $122K | — | $122K | 12.86% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 9.91% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $756 | — | $756 | 10.00% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $352 | — | $352 | 10.00% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $208 | — | $208 | 10.02% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $205 | — | $205 | 9.98% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF CALIFORNIA | $199 | — | $199 | 10.01% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $175 | — | $175 | 10.01% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $173 | — | $173 | 10.02% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF OHIO, INC. | $151 | — | $151 | 10.01% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $118 | — | $118 | 10.00% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF COLORADO | $79 | — | $79 | 10.04% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $72 | — | $72 | 9.99% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $70 | — | $70 | 10.01% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $52 | — | $52 | 9.90% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVECIR STE 309 DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $52 | — | $52 | 9.90% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA HEALTHCARE OF CONNECTICUT | $28 | — | $28 | 9.86% |
| MICHAEL ROSENBERG3 | 2232 BLOODS GROVE CIR DELRAY BEACH, FL 33445 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $24 | — | $24 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATOR FEES | Contract Administrator; Direct payment from the plan; Named fiduciary; Non-monetary compensation; Claims processing; Float revenue; Participant communication; Other services Service code 12 | — | $80K |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 347 | $952K |
| Dental(17 contracts, 17 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $259K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.