| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 445 HOTCHINSON AVENUE SUITE 900 COLUMBUS, OH 43235 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES NORTHEAST INC. | 1900 16TH STREET, SUITE 100 DENVER, CO 80202 | THE GUARDIAN LIFE INSURANCE COMPANY | -$6K | — | -$6K | -6.16% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD., STE. 365 BEACHWOOD, OH 44122 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 7.41% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES OH INC. | 6450 ROCKSIDE WOODS BLVD. SUITE 250 CLEVELAND, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.94% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.86% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $62 | $62 | 0.07% |
| SELERIX INSURANCE SERVICES, LLC3 | 2851 CRAIG DR, STE. 300 MCKINNEY, TX 75072 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $1K | $9K | 42.91% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $138 | $6K | 28.63% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PARKWAY PLANO, TX 75024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $900 | — | $900 | 4.08% |
| TBX EMPLOYEE BENEFITS LLC3 | 1201 ELM ST. DALLAS, TX 75270 | COMBINED INSURANCE COMPANY | $6K | — | $6K | 57.00% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 6718 SOMERSET, NJ 08875 | COMBINED INSURANCE COMPANY | $4K | — | $4K | 36.50% |
| SELERIX INSURANCE SERVICES, LLC3 | 2851 CRAIG DR, STE. 300 MCKINNEY, TX 75072 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $412 | $4K | 42.92% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $52 | $2K | 28.64% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PARKWAY PLANO, TX 75024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $336 | — | $336 | 4.08% |
| SELERIX INSURANCE SERVICES, LLC3 Filed as: SELERIX INSURANCE SERVICES, LLC. | 2851 CRAIG DR, STE. 300 MCKINNEY, TX 75072 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $397 | $3K | 43.11% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $47 | $2K | 28.59% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PARKWAY PLANO, TX 75024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $309 | — | $309 | 3.89% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 239 | $463K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 479 | $92K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 214 | $96K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 214 | $107K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 214 | $96K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 239 | $463K |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 214 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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."
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.