| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP LLC | 3555 RESERVE COMMONS DR. MEDINA, OH 44256 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | — | $9K | $9K | 1.38% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP, LLC | 3555 RESERVE COMMONS DR. MEDINA, OH 44256 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | $86K | $7K | $93K | 16.24% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP, LLC | 3555 RESERVE COMMONS DR. MEDINA, OH 44256 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | — | $4K | $4K | 1.01% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP | 3555 RESERVE COMMONS DR. MEDINA, OH 44256 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | — | $7K | $7K | 4.02% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP | 3555 RESERVE COMMONS DR. MEDINA, OH 44256 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | — | $4K | $4K | 4.07% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP, LLC | 3555 RESERVE COMMONS DR. MEDINA, OH 44256 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | — | $989 | $989 | 1.11% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP | 3555 RESERVE COMMONS DR. MEDINA, OH 44256 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | — | $3K | $3K | 3.77% |
| HR BENEFITS SERVICES, INC.3 Filed as: DS BENEFITS GROUP, LLC | 3555 RESERVE COMMONS DR. MEDINA, OH 44256 | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | — | $602 | $602 | 1.35% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT RD. SUITE 800 ATLANTA, GA 30305 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH | $437 | — | $437 | 14.99% |
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 | 4,120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | 500 | $514K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,064 | $2.3M |
| Vision | VISION SERVICE PLAN | 2,778 | $566K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 3,583 | $673K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 3,667 | $383K |
| Other(7 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA DBA CIGNA GROUP INSURANCE | 3,667 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,667 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.