| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY STE300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | — | $34K | 15.00% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PKWY STE 300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 15.00% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY STE300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 5.99% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY STE300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $9K | 19.01% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY STE300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY STE300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY STE300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $3K | $9K | 20.81% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET NEW YORK, NY 10281 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 25.00% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY STE300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $451 | $451 | 5.89% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY STE300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $467 | $188 | $655 | 21.05% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY STE300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 100.00% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY STE300 DEER PARK, IL 60010 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $3 | $3 | 4.00% |
| THE PLEXUS GROUPE LLC3 | 21805 W FIELD PARKWAY STE300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4 | $4 | 6.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Other services; Float revenue; Direct payment from the plan; Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | — | $996K |
| EVERNORTH BEHAVIORAL HEALTH, INC EIN 41-1648670 ADMINISTRATOR | Participant communication; Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $21K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 67 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $1.4M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $212K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $272K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $1.4M |
| Other(13 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $30.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.