Filings through .
History & trajectory Charts need 2 or more years. This plan has 4 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingBroker compensation exceeds 5% of premium. This is a small-plan minimum fee or a costly broker setup that a competing bid can beat.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Broker: Kenneth Nichols DentalVisionIndemnity | DentalVisionIndemnity | |
Broker: Kenneth Nichols LifeSTDLTDOther | LifeSTDLTDOther | |
Broker: Kenneth Nichols STD | STD |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 6 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 295 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 247 | $216K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 247 | $216K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $71K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 294 | $64K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $45K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 294 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
Commissions, fees, broker address and the carrier each broker is paid through are on Pro.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| KENNETH C NICHOLS BROKER | Insurance brokerage commissions and fees Service code 53 | 116 SANTIAGO DRIVE JUPITER, FL 33458 | $186K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATOR | Contract Administrator; Other services; Float revenue; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Participant communication Service code 12 | — | $128K |
| CENTERSTONE INS & FIN SVC LLC GENERAL AGENT | Insurance brokerage commissions and fees Service code 53 | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | $83K |
| CIGNA | Claims processing; Non-monetary compensation; Direct payment from the plan; Contract Administrator; Float revenue; Other services; Named fiduciary; Participant communication Service code 12 | — | $0 |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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4 filings · 2022 to 2025