| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA0 Filed as: CIGNA HEALTH AND LIFE INSURANCE | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $586K | $586K | 88.00% |
| PRINCIPAL LIFE INSURANCE COMPANY0 | 711 HIGH STREET DES MOINES, IA 50392 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $49K | $49K | 7.32% |
| ASHLEY A D'SOUZA3 Filed as: ASHLEY D'SOUZA | 201 W BIG BEAVER RD #380 TROY, MI 48084 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 3.80% |
| TECHNOLOGY INSURANCE ASSOCIATES LLC3 Filed as: TECHNOLOGY INSURANCE ASSOC LLC | 225 GORDONS CORNER RD STE 2B MANALAPAN, NJ 07726 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.32% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2745 W 600 N SUITE 500 LINDON, UT 84042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.21% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $666K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $666K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $666K |
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $666K |
| Short-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $666K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $666K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.