| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIDDLE INSURANCE SERVICES3 Filed as: BIDDLE & CO INS BROKERS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $55K | $0 | $55K | 11.48% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $17K | $17K | 3.52% |
| BIDDLE INSURANCE SERVICES3 | 3650 WINDING WAY NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 7.41% |
| BIDDLE INSURANCE SERVICES3 | 3650 WINDING WAY NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 13.29% |
| BIDDLE INSURANCE SERVICES3 | 3650 WINDING WAY NEWTOWN SQUARE, PA 19073 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $141 | $0 | $141 | 12.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 ADMIN | Claims processing Service code 12 | — | $54K |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $476K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $0 |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $23K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.