| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOODY INSURANCE AGENCY3 Filed as: MOODY INS AGENCY INC | 8055 E TUFTS AVE STE 1000 DENVER, CT 80237 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $50K | $0 | $50K | 9.48% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 4.00% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INS AGENCY INC | STE 1000 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.15% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INS AGENCY INC | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INS AGENCY INC | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INS AGENCY INC | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MOODY INSURANCE AGENCY3 Filed as: MOODY INS AGENCY INC | 8055 E TUFTS AVE STE 1000 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $676 | $0 | $676 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 THIRD PARTY ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | — | $71K |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 353 | $523K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 353 | $523K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 19 | $5K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $46K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 353 | $523K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 353 | $523K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.