| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT AMERICA INSURANCE SRVS LLC3 | 1800 QUAIL ST #110 NEWPORT BEACH, CA 92660 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $265K | — | $265K | 5.43% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | GUARDIAN | $34K | $5K | $38K | 10.81% |
| BENEFITS AMERICA INSURANCE SER3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | GUARDIAN | $14K | — | $14K | 4.03% |
| BENEFITS AMERICA INSURANCE SVCS LLC3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | CIGNA HEALTHCARE OF TEXAS, INC. | $1K | — | $1K | 5.00% |
| BENEFITS AMERICA INSURANCE SER3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | CIGNA DENTAL HEALTH OF CALIFORNIA | $2K | — | $2K | 10.00% |
| BENEFITS AMERICA INSURANCE SER3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| BENEFITS AMERICA INSURANCE SER3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| BENEFITS AMERICA INSURANCE SER3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| BENEFIT AMERICA INSURANCE SRVS LLC3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $170 | — | $170 | 10.01% |
| BENEFITS AMERICA INSURANCE SER3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $78 | — | $78 | 9.97% |
| BENEFITS AMERICA INSURANCE SRVS LLC3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $67 | — | $67 | 9.94% |
| BENEFITS AMERICA INSURANCE SER3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $65 | — | $65 | 10.05% |
| BENEFITS AMERICA INSURANCE SRVS LLC3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | CIGNA DENTAL HEALTH OF OHIO, INC. | $51 | — | $51 | 9.96% |
| BENEFITS AMERICA INSURANCE SRVS LLC3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $49 | — | $49 | 10.10% |
| BENEFITS AMERICA INSURANCE SRVS LLC3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $43 | — | $43 | 9.98% |
| BENEFITS AMERICA INSURANCE SER3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $32 | — | $32 | 9.88% |
| BENEFITS AMERICA INSURANCE SER3 | 1800 QUAIL ST STE 110 NEWPORT BEACH, CA 92660 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $32 | — | $32 | 9.88% |
| BENEFITS AMERICA INSURANCE SVCS LLC3 | 1800 QUAIL ST #100 NEWPORT BEACH, CA 92660 | CIGNA DENTAL HEALTH OF VIRGINIA | $3 | — | $3 | 11.11% |
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 | 432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 395 | $4.9M |
| Dental(12 contracts, 12 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 395 | $4.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 395 | $4.9M |
| Life insurance | GUARDIAN | 519 | $353K |
| Short-term disability | GUARDIAN | 519 | $353K |
| Long-term disability | GUARDIAN | 519 | $353K |
| Prescription drug | CIGNA HEALTHCARE OF TEXAS, INC. | 5 | $25K |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 519 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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."
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.