| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS, LLC | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $214K | $31K | $244K | 15.81% |
| UNKNOWN3 | UNKNOWN GRAPEVINE, TX 68381 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59K | $0 | $59K | 3.79% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $54K | $54K | 3.52% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 0.11% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $6K | $32K | 6.22% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 10.48% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | EYEMED | $14K | $0 | $14K | 7.75% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS, LLC | 2650 MCCORMICK DRIVE CLEARWATER, FL 33759 | METLIFE LEGAL PLANS | $10K | $0 | $10K | 9.99% |
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 | 10,243 | 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) | 10,243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 143 | $1.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 143 | $1.9M |
| Vision(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,380 | $2.6M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10,243 | $1.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,243 | $509K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10,243 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,243 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.