| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LP INSURANCE SERVICE INC.3 | 300 E. 2ND STREET SUITE 1300 JUPITER, FL 33458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 10.74% |
| LP INSURANCE SERVICE INC.3 | 300 E. 2ND STREET SUITE 1300 RENO, NV 89501 | UNITED HEALTH CARE INSURANCE COMPANY | $10K | — | $10K | 14.89% |
| DAVID ASBURY3 | 200 GALLERIA PKWY SE, STE. 1950 ATLANTA, GA 303395945 | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.00% |
| LP INSURANCE SERVICE INC.3 | 300 E. 2ND STREET SUITE 1300 RENO, NV 89501 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $102 | — | $102 | 13.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Other services; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Insurance agents and brokers; Named fiduciary; Participant communication; Contract Administrator Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $56K |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $309K |
| Dental | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 147 | $59K |
| Vision | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 147 | $59K |
| Life insurance | UNITED HEALTH CARE INSURANCE COMPANY | 267 | $67K |
| Short-term disability | UNITED HEALTH CARE INSURANCE COMPANY | 267 | $67K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 5 | $779 |
| Other | UNITED HEALTH CARE INSURANCE COMPANY | 267 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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.