| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $105K | $106K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400 SOUTH DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $42K | $42K | 1.97% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 4.64% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $534 | $9K | 11.73% |
| YOURPEOPLE, INC.3 | 303 2ND STREET SUITE N400 SAN FRANCISCO, CA 94107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$53 | — | -$53 | -0.07% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $423 | $9K | 15.81% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE, INC | 303 2ND STREET SUITE N400 SAN FRANCISCO, CA 94107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$56 | — | -$56 | -0.09% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $269 | $6K | 15.83% |
| YOURPEOPLE, INC.3 | 303 2ND STREET SUITE N400 SAN FRANCISCO, CA 94107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$41 | — | -$41 | -0.11% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $100 | $2K | 15.75% |
| YOURPEOPLE, INC.3 | 303 2ND STREET SUITE N400 SAN FRANCISCO, CA 94107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2 | — | $2 | 0.02% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 234 | $2.1M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 275 | $126K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 234 | $2.1M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 355 | $50K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 355 | $81K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 355 | $59K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 234 | $2.1M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 355 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.