| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEFOUSE & ASSOCIATES, INC.3 | 8465 KEYSTONE CROSSING SUITE 190 INDIANAPOLIS, IN 462404354 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.09% |
| NEFOUSE & ASSOCIATES, INC.3 | 8465 KEYSTONE CROSSING SUITE 190 INDIANAPOLIS, IN 462404354 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.47% |
| NEFOUSE & ASSOCIATES, INC.3 | 8465 KEYSTONE CROSSING SUITE 190 INDIANAPOLIS, IN 462404354 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 13.74% |
| NEFOUSE & ASSOCIATES, INC.3 Filed as: NEFOUSE & ASSOCIATES INC. | 8465 KEYSTONE CROSSING SUITE 190 INDIANAPOLIS, IN 462404354 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 20.00% |
| NEFOUSE & ASSOCIATES, INC.3 | 8465 KEYSTONE CROSSING SUITE 190 INDIANAPOLIS, IN 462404354 | VISION SERVICE PLAN | $2K | — | $2K | 4.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Other services; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator Service code 12 | 280 TRUMBULL ST #5 HARTFORD, CT 06103 | $6K |
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 | 306 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $2.3M |
| Vision | VISION SERVICE PLAN | 306 | $40K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 296 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 296 | $90K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $2.3M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 296 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
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.