| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAGUE CORP3 | 515 NORTH STATE STREET SUITE 800 CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $255K | — | $255K | 7.89% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 0.55% |
| LEAGUE CORP3 | 111 WEST ILLINOIS STREET FLOOR 5 CHICAGO, IL 60654 | KAISER FOUNDATION HEALTH PLAN INC | $45K | — | $45K | 4.94% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN INC | $1K | — | $1K | 0.16% |
| LEAGUE CORP3 | 515 NORTH STATE STREET SUITE 800 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 10.00% |
| LEAGUE CORP3 | 515 NORTH STATE STREET SUITE 800 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| LEAGUE CORP3 | 515 NORTH STATE STREET SUITE 800 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| LEAGUE CORP3 | 515 NORTH STATE STREET SUITE 800 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214F DIAMOND HEIGHTS BOULEVARD UNIT SUITE 1152 SAN FRANCISCO, CA 94131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $6K | $8K | 50.81% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214F DIAMOND HEIGHTS BOULEVARD UNIT SUITE 1152 SAN FRANCISCO, CA 94131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $5K | $6K | 50.74% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214F DIAMOND HEIGHTS BOULEVARD UNIT SUITE 1152 SAN FRANCISCO, CA 94131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $788 | $3K | $4K | 50.66% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214F DIAMOND HEIGHTS BOULEVARD UNIT SUITE 1152 SAN FRANCISCO, CA 94131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $341 | $1K | $2K | 50.54% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 255 | $4.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 323 | $515K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 323 | $515K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $183K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 45 | $93K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $127K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 361 | $223K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.