| 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 | $28K | — | $28K | 1.93% |
| CAMMON COMPANY3 | 701 MARKET ST STE 1200 ST LOUIS, MO 63101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 1.93% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $187K | $25K | $212K | 58.51% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC (GA) | PO BOX 8299 PASADENA, CA 911098299 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $75K | $24K | $99K | 27.26% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11K | $11K | 3.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $175K | $24K | $198K | 58.54% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC (GA) | PO BOX 8299 PASADENA, CA 911098299 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $70K | $23K | $93K | 27.49% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 3.00% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $87K | $12K | $99K | 58.47% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC (GA) | PO BOX 8299 PASADENA, CA 911098299 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $19K | $54K | 31.99% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 3.00% |
| VIATOR INTERNATIONAL LLC3 | 41-B NEW LONDON TURNPIKE GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| 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% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA, INC. | PO BOX 9023549 SAN JUAN, PR 009023549 | HUMANA INSURANCE OF PUERTO RICO,INC. | $2K | — | $2K | 19.15% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH SALDANA | PO BOX 9023549 SAN JUAN, PR 009023549 | DELTA DENTAL OF PUERTO RICO,INC. | $82 | — | $82 | 4.20% |
| MAPFRE INSURANCE AGENCY3 | PO BOX 362474 SAN JUAN, PR 009362474 | MAPFRE LIFE INSURANCE COMPANY OF PUERTO RICO | $21 | — | $21 | 3.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS COMPANY EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Claims processing; Non-monetary compensation; Named fiduciary; Float revenue Service code 12 | — | $2.3M |
| EVERNORTH BEHAVIORAL HEALTH, INC. EIN 41-1648670 CONTRACT ADMINISTRATOR | Participant communication; Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $76K |
| CIGNA | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $0 |
| EVERNORTH BEHAVIROL HEALTH, INC. | Claims processing; Direct payment from the plan; Participant communication; 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 | 4,969 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 100 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $18K |
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF ILLINOIS | 3,554 | $147K |
| Vision(2 contracts) | VISION SERVICE PLAN | 2,529 | $337K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,296 | $1.5M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,951 | $84K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,402 | $662K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,335 | $364K |
| Other(8 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,309 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,335 | — |
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.