| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | $7K | $53K | 7.34% |
| MARTIN INSURANCE GROUP3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $23K | $23K | 3.20% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC (GA) | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 2.80% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 146204648 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 7.36% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | DB EB OPERATING ACCOUNT PO BOX 8299 PASADENA, CA 91109 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $77K |
| CIGNA | Direct payment from the plan; Float revenue; Other services; Contract Administrator; Participant communication; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $0 |
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 | 326 | 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) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $725K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $725K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $725K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 326 | $122K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 326 | $122K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 326 | $122K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 194 | $725K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 326 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.