| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLEGIANT GLOBAL PARTNERS3 | 47 WINTER STREET, STE 6 BOSTON, MA 02108 | CIGNA HELATH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 9.38% |
| THOMAS MURRAY3 | 47 WINTER STREET, STE 6 BOSTON, MA 02108 | CIGNA HELATH AND LIFE INSURANCE COMPANY | $541 | — | $541 | 0.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 700096650 | VISION SERVICE PLAN | $1K | — | $1K | 4.75% |
| ALLEGIANT GLOBAL PARTNERS | 47 WINTER STREET, STE 6 BOSTON, MA 02108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $655 | — | $655 | 9.99% |
| CRAIG A LOWRANCE3 | PO BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA LIFE INSURANCE COMPANY | $436 | — | $436 | 8.67% |
| ONE SOURCE EMPLOYEE BENEFITS3 Filed as: ONE SOURCE EMPLOYEE | PO BOX 11343 SPRINGFIELD, MO 65808 | TRANSAMERICA LIFE INSURANCE COMPANY | $214 | — | $214 | 4.25% |
| MICHAEL C CHAPMAN3 | 2150 PORTWOOD WAY FORT WROTH, TX 76179 | TRANSAMERICA LIFE INSURANCE COMPANY | $26 | — | $26 | 0.52% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HELATH AND LIFE INSURANCE COMPANY | 7 | $123K |
| Dental | CIGNA HELATH AND LIFE INSURANCE COMPANY | 7 | $123K |
| Vision | VISION SERVICE PLAN | 199 | $29K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7 | $7K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7 | $7K |
| Other(3 contracts, 3 carriers) | CIGNA HELATH AND LIFE INSURANCE COMPANY | 34 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.