| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $15K | $994 | $16K | 5.27% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $2K | $0 | $2K | 10.00% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $825 | $0 | $825 | 10.00% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $793 | $0 | $793 | 10.00% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $601 | $0 | $601 | 10.00% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA DENTAL HEALTH OF OHIO, INC. | $352 | $0 | $352 | 10.00% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $316 | $0 | $316 | 9.99% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $231 | $0 | $231 | 10.00% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $146 | $0 | $146 | 10.01% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $117 | $0 | $117 | 9.97% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $92 | $0 | $92 | 9.96% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $89 | $0 | $89 | 10.01% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $78 | $0 | $78 | 9.97% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $68 | $0 | $68 | 10.06% |
| CORPORATE BENEFIT DESIGN3 Filed as: CORPORATE BENEFIT DESIGN, LLC | 5347 S VALENTIA WAY SUITE 300 GREENWOOD VILLAGE, CO 80111 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $43 | $0 | $43 | 10.07% |
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 | 563 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(15 contracts, 15 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 515 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 515 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.