| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMMON COMPANY3 | 701 MARKET ST STE 1200 ST LOUIS, MO 63101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 1.46% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $47K | — | $47K | 5.57% |
| CAMMON COMPANY3 | 701 MARKET ST STE 1200 ST LOUIS, MO 63101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 1.48% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 11.85% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC (GA) | PO BOX 8299 PASADENA, CA 911098299 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 6.38% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W. MONROE ST SUITE 3800 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $9K | $9K | 2.86% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | — | $31K | 10.97% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC (GA) | PO BOX 8299 PASADENA, CA 911098299 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 5.91% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W. MONROE ST SUITE 3800 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 2.96% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 11.39% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC (GA) | PO BOX 8299 PASADENA, CA 911098299 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 6.13% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 500 W. MONROE ST SUITE 3800 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 2.97% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL, LLC | 15 WILLOW ST FEURA BUSH, NY 12067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS COMPANY EIN 59-1031071 CONTRACT ADMINISTRATOR | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | — | $2.3M |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication Service code 12 | — | $83K |
| CIGNA | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | — | $0 |
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 | 2,295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 84 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 2,615 | $99K |
| Vision(2 contracts) | VISION SERVICE PLAN | 1,989 | $280K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,901 | $1.3M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,621 | $76K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 982 | $569K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 4,532 | $844K |
| Other(6 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4,566 | $895K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,566 | — |
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.