| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INS & PAYROLL RESOURCE3 | 1101 N LAKE DESTINY ROAD SUITE 100 MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $0 | $40K | 12.75% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHED | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $2K | $14K | 16.76% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GROUP | 1101 N LAKE DESTINY SUITE 100 MAITLAND, FL 32751 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 20.00% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GROUP | 1101 N LAKE DESTINY ROAD SUITE 100 MAITLAND, FL 32751 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| THE INS & PAYROLL RESOURCE3 | 1101 N LAKE DESTINY ROAD SUITE 100 MAITLAND, FL 32751 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $2 | $0 | $2 | 0.01% |
| THE INS & PAYROLL RESOURCE3 Filed as: THE INS & PAYROLL RESOURCE GROUP | 1101 N LAKE DESTINY ROAD SUITE 100 MAITLAND, FL 32751 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| THE INS & PAYROLL RESOURCE3 | 1101 N LAKE DESTINY ROAD SUITE 100 MAITLAND, FL 32751 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $0 | $0 | $0 | 0.00% |
| THE INS & PAYROLL RESOURCE3 | 1101 N LAKE DESTINY ROAD SUITE 100 MAITLAND, FL 32751 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $0 | $0 | $0 | 0.00% |
| THE INS & PAYROLL RESOURCE3 | 1101 N. LAKE DESTINY RD SUITE 100 MAITLAND, FL 32751 | CIGNA DENTAL HEALTH OF OHIO, INC. | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $109K |
| CIGNA | Non-monetary compensation; Claims processing; Other services; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | — | $396 |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | 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 | 170 | $329K |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $336K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $315K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 162 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 65 | $19K |
| Other(4 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 170 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.