| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $79K | $10K | $89K | 8.62% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE INC | 50 N BROCKWAY ST STE 5-2 PALATINE, IL 600675091 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 10.00% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE INC | 50 N BROCKWAY ST STE 5-2 PALATINE, IL 600675091 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| CFM INSURANCE AGENCY3 Filed as: CFM INSURANCE INC | 50 N BROCKWAY ST STE 5-2 PALATINE, IL 600675091 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $931 | — | $931 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator; Claims processing; Non-monetary compensation; Participant communication; Other services; Named fiduciary; Direct payment from the plan; Float revenue Service code 12 | — | $435K |
| AUTOMATED GROUP ADMINISTRATION INC ADMINISTRATOR | Claims processing Service code 12 | 7605 WESTFIELD DRIVE FORT WAYNE, IN 46825 | $71K |
| PARKVIEW OCCUPATIONAL HEALTH NONE | Other services Service code 49 | 3415 HOBSON RD FORT WAYNE, IN 46805 | $40K |
| AMERIFLEX NONE | Other services Service code 49 | 2508 HIGHLANDER WAY CARROLLTON, TX 75006 | $16K |
| ALIGHT HOLDING COMPANY LLC NONE | Consulting (general) Service code 16 | 345 PARK AVENUE NEW YORK, NY 10154 | $5K |
| CIGNA | Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Other services; Named fiduciary; Participant communication; Non-monetary compensation Service code 12 | — | $0 |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 620 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 620 | $1.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 638 | $109K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 426 | $51K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 638 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.