| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71K | — | $71K | 2.29% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO. | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 0.71% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $1K | $7K | 6.65% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & COMPANY LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $130 | $2K | 2.17% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | VISION SERVICE PLAN | $784 | — | $784 | 2.65% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | VISION SERVICE PLAN | $611 | — | $611 | 2.06% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & COMPANY LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $373 | $39 | $412 | 4.72% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NORTH CAROLINA, | 109 PROFESSIONAL PARK DRIVE MOORESVILLE, NC 28117 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 1.12% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $27 | $27 | 0.31% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & COMPANY LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | FIRST UNUM LIFE INSURANCE COMPANY | $142 | $34 | $176 | 14.85% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | FIRST UNUM LIFE INSURANCE COMPANY | — | $24 | $24 | 2.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 ADMINISTRATOR | Contract Administrator Service code 13 | — | $18K |
| CIGNA EIN 59-1031071 MEDICAL ADMINISTRATOR | Named fiduciary; Other services; Claims processing; Direct payment from the plan; Non-monetary compensation; Participant communication; Float revenue; Contract Administrator Service code 12 | — | $14K |
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 | 330 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 282 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 282 | $3.1M |
| Vision | VISION SERVICE PLAN | 293 | $30K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 330 | $107K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 9 | $10K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 330 | $107K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 330 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.