| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $72K | $72K | 2.92% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $5K | $10K | 3.73% |
| ASSUREDPARTNERS3 | 3900 KINROSS LAKES PARKWAY SUITE 300 RICHFIELD, OH 44286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 11.87% |
| ASSUREDPARTNERS3 | 4582 SOUTH ULSTER STREET, SUITE 600 DENVER, CO 80237 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $453 | $0 | $453 | 17.52% |
| JAMES R NELLIGAN & ASSOCS LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATE | 1800 ROUTE 34, SUITE 404A WALL TOWNSHIP, NJ 07719 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $44 | $0 | $44 | 1.70% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 304 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 471 | $263K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 471 | $263K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 471 | $317K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $54K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $54K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 304 | $2.5M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 471 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.