| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE AGENCY INC | 50 N BROCKWAY ST STE 5-2 PALATINE, IL 60067 | SYMETRA LIFE INSURANCE COMPANY | $6K | — | $6K | 0.70% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE AGENCY INC | 50 N BROCKWAY ST STE 5-2 PALATINE, IL 60067 | SYMETRA LIFE INSURANCE COMPANY | $22K | — | $22K | 11.84% |
| V AND S MARKETING3 Filed as: MARKETING DIVERSIFIED SERVICES | 7605 WESTFIELD DR FORT WAYNE, IN 46783 | SYMETRA LIFE INSURANCE COMPANY | $637 | — | $637 | 0.34% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE AGENCY INC | 50 N BROCKWAY ST STE 5-2 PALATINE, IL 60067 | SYMETRA LIFE INSURANCE COMPANY | $23 | — | $23 | 19.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AUTOMATED GROUP ADMINISTRATION INC ADMINISTRATOR | Claims processing Service code 12 | 7605 WESTFIELD DRIVE FORT WAYNE, IN 46825 | $279K |
| PARKVIEW OCCUPATIONAL HEALTH NONE | Other services Service code 49 | 3415 HOBSON RD FORT WAYNE, IA 46805 | $38K |
| HEALTH IMPROVEMENT SOLUTIONS, INC. NONE | Consulting (general) Service code 16 | PO BOX 241434 OMAHA, NE 68124 | $21K |
| ALIGHT HOLDING COMPANY LLC NONE | Consulting (general) Service code 16 | 345 PARK AVENUE NEW YORK, NY 10154 | $20K |
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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 346 | $190K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 2 | $121 |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 346 | $190K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 365 | $835K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 346 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.