| 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 | $25K | $20K | $45K | 2.84% |
| CAMMON COMPANY3 | 701 MARKET ST STE 1200 ST LOUIS, MO 63101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $18K | $10K | $28K | 3.73% |
| CAMMON COMPANY3 | 701 MARKET ST STE 1200 ST LOUIS, MO 63101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.35% |
| CAMMON COMPANY3 | 701 MARKET ST STE 1200 ST LOUIS, MO 63101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.23% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL, LLC | 41B NEW LONDON TURNPIKE GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 4.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA, INC. | PO BOX 9023549 SAN JUAN, PR 009023549 | HUMANA INSURANCE OF PUERTO RICO,INC. | $3K | — | $3K | 6.00% |
| VIATOR INTERNATIONAL LLC3 | 41B NEW LONDON TURNPIKE GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| VIATOR INTERNATIONAL LLC3 | 15 WILLOW ST FEURA BUSH, NY 12067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 009023549 | DELTA DENTAL OF PUERTO RICO,INC. | $153 | — | $153 | 4.20% |
| MAPFRE INSURANCE AGENCY3 | PO BOX 362474 SAN JUAN, PR 009362474 | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | $28 | — | $28 | 4.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS COMPANY EIN 59-1031071 CONTRACT ADMINISTRATOR | Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Participant communication; Named fiduciary; Other services; Direct payment from the plan Service code 12 | — | $2.8M |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $105K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $59K |
| CIGNA | Participant communication; Named fiduciary; Float revenue; Claims processing; Contract Administrator; Direct payment from the plan; Other services; Non-monetary compensation Service code 12 | — | $0 |
| EVERNORTH BEHAVIROL HEALTH, INC. | Participant communication; Named fiduciary; Float revenue; Claims processing; Contract Administrator; Direct payment from the plan; Other services; Non-monetary compensation 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 | 5,057 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 119 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $66K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF ILLINOIS | 4,004 | $201K |
| Vision(2 contracts) | VISION SERVICE PLAN | 3,108 | $370K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,643 | $1.6M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,373 | $95K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,772 | $759K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,812 | $344K |
| Other(5 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,610 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,812 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.