| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF PENNSYLVANIA, LL | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $110K | $110K | 3.00% |
| CENTRO BENEFITS RESEARCH LLC | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF PA, LLC | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.30% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF PA, LLC | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.84% |
| CENTRO BENEFITS RESEARCH LLC | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF PENNSYLVANIA, LL | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $504 | $10K | 26.80% |
| CENTRO BENEFITS RESEARCH LLC Filed as: CENTRO BENIFITS GROUP | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.00% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF PA, LLC | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.88% |
| CENTRO BENEFITS RESEARCH LLC1 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF PA, LLC | 1301 GRANDVIEW AVENUE STE 400 PITTSBURGH, PA 15211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| CENTRO BENEFITS RESEARCH LLC | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALH AND LIFE INSURANCE CO EIN 59-1031071 BROKER | Insurance agents and brokers Service code 22 | 3000 PARK LN DR PITTSBURGH, PA 15275 | $113K |
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 | 361 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 327 | $3.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 285 | $37K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 285 | $37K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 361 | $60K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 360 | $54K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 361 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.