| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $42K | $150K | $192K | 1.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 300 GALLERIA PARKWAY, SUITE 1100 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $10K | $10K | 0.06% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | PO BOX 745957 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $37K | $48K | 1.22% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 980 WASHINGTON STREET, SUITE 325 DEDHAM, MA 02026 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $7K | $7K | 0.19% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $128K | $23K | $151K | 14.12% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 144 TURNPIKE ROAD, SUITE 330 SOUTHBOROUGH, MA 01772 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59K | $9K | $68K | 47.44% |
| TEMPO HOLDINGS COMPANY LLC3 Filed as: TEMPO HOLDINGS COMPANY, LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $7K | $7K | 4.66% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | PO BOX 745957 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 21.01% |
| TEMPO HOLDINGS COMPANY LLC3 Filed as: TEMPO HOLDINGS COMPANY, LLC | 4 OVERLOOK POINT LINCOLNSHIRE, IL 60069 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.41% |
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 | 773 | 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) | 773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 746 | $19.7M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 746 | $19.7M |
| Vision(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 746 | $19.7M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 773 | $1.1M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 773 | $1.1M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 773 | $1.1M |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 746 | $19.7M |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 773 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 773 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.