| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROAD REACH BENEFITS3 | PO BOX 545 MADISON, NJ 07940 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $113K | $113K | 3.71% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $54K | $54K | 1.79% |
| BROAD REACH BENEFITS3 | PO BOX 545 MADISON, NJ 07940 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 8.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.00% |
| BROAD REACH BENEFITS3 | 30 COOK PLAZA, STE 200 PO BOX 545 MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.02% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 4.00% |
| BROAD REACH BENEFITS3 | PO BOX 545 MADISON, NJ 07940 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.01% |
| BROAD REACH BENEFITS3 | 30 COOK PLAZA, STE 200 PO BOX 545 MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.34% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $897 | $897 | 4.00% |
| BROAD REACH BENEFITS3 | 30 COOK PLAZA, STE 200 PO BOX 545 MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.84% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $440 | $440 | 4.00% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $3.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $168K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 453 | $30K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $22K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.