| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTLOW INSURANCE AGENCY INC3 Filed as: PARTLOW INSURANCE AGENCY INC. | P.O. BOX 2900 WINCHESTER, VA 22604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $238K | $238K | 5.00% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DR #1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $95K | $95K | 2.00% |
| PARTLOW INSURANCE AGENCY INC3 | 2333 N FREDERICK PIKE WINCHESTER, VA 22603 | DELTA DENTAL OF NEW JERSEY, INC. | $8K | — | $8K | 3.16% |
| PARTLOW INSURANCE AGENCY INC3 | 2333 N FREDERICK PIKE WINCHESTER, VA 22603 | DELTA DENTAL OF CONNECTICUT, INC. | $2K | — | $2K | 3.16% |
| PARTLOW INSURANCE AGENCY INC3 | PO BOX 2900 WINCHESTER, VA 22604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.95% |
| PARTLOW INSURANCE AGENCY INC3 | PO BOX 2900 WINCHESTER, VA 22604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $238K |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 326 | $4.8M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 421 | $263K |
| Vision | DELTA DENTAL OF CONNECTICUT, INC. | 414 | $52K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $55K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $35K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.