| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LONE STAR BENEFITS INC3 Filed as: LONE START BENEFITS INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | $0 | $67K | 20.00% |
| LONE STAR BENEFITS INC3 Filed as: LONE START BENEFITS | 8721 5TH STREET FRISCO, TX 75034 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $4K | $25K | 15.17% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 12222 MERIT DR STE 1780 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.92% |
| ROGERS BENEFIT GROUP INC3 | 12222 MERIT DRIVE STE 1780 DALLAS, TX 75251 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Float revenue; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $183K |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $336K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 253 | $162K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 253 | $162K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 253 | $162K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 253 | $162K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 253 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.