| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $92K | — | $92K | 27.71% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.91% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $446 | $465 | $911 | 3.98% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 E BELL RD SUITE 110 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $384 | $381 | $765 | 4.04% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 8753 E BELL RD SUITE 110 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.97% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $340 | $374 | $714 | 3.93% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $333K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $333K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $333K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $23K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 46 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 55 | $19K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.