| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 15030 N HAYDEN ROAD SUITE 115 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $136K | $7K | $143K | 35.70% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 15030 N HAYDEN ROAD SUITE 115 SCOTTSDALE, AZ 95260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.78% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $408 | — | $408 | 1.69% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 15030 N HAYDEN ROAD SUITE 115 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.18% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $300 | — | $300 | 1.58% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 15030 N HAYDEN ROAD STE 110 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $646 | — | $646 | 12.32% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NC 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $107 | — | $107 | 2.04% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $400K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $400K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $400K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $1K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 31 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 50 | $24K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.