| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIFTH THIRD INSURANCE AGENCY INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 5.96% |
| FOUNDATION RISK PARTNERS CORP3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 4.88% |
| FOUNDATION RISK PARTNERS CORP3 | 9700 ORMSBY STATION RD STE 200 LOUISVILLE, KY 40223 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 13.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMIN | Other services Service code 49 | — | $19K |
| CIGNA | Other services; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation; Float revenue; Named fiduciary; Contract Administrator 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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 113 | $281K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $122K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $122K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $122K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $122K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $122K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 110 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.