| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEFOUSE & ASSOCIATES, INC.3 | 8435 KEYSTONE CROSSING SUITE 160 INDIANAPOLIS, IN 462404354 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $73K | $0 | $73K | 2.88% |
| GREGORY & APPEL, INC.3 | 433 N CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $46K | $0 | $46K | 1.82% |
| NEFOUSE & ASSOCIATES, INC.3 | 8435 KEYSTONE CROSSING SUITE 160 INDIANAPOLIS, IN 462404354 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 4.09% |
| GREGORY & APPEL, INC. | 433 N CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $438 | — | $438 | 0.38% |
| NEFOUSE & ASSOCIATES, INC.3 | 8435 KEYSTONE CROSSING SUITE 160 INDIANAPOLIS, IN 462404354 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 8.78% |
| GREGORY & APPEL, INC.3 | 433 N CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 6.22% |
| NEFOUSE & ASSOCIATES, INC.3 | 8435 KEYSTONE CROSSING SUITE 160 INDIANAPOLIS, IN 462404354 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 11.75% |
| GREGORY & APPEL, INC.3 | 433 N CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 8.26% |
| NEFOUSE & ASSOCIATES, INC.3 | 8435 KEYSTONE CROSSING SUITE 160 INDIANAPOLIS, IN 462404354 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.92% |
| GREGORY & APPEL, INC.3 | 433 N CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46204 | VISION SERVICE PLAN | $777 | $0 | $777 | 1.79% |
| NEFOUSE & ASSOCIATES, INC.3 | 8435 KEYSTONE CROSSING SUITE 160 INDIANAPOLIS, IN 462404354 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.91% |
| GREGORY & APPEL, INC.3 | 433 N CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.85% |
| NEFOUSE & ASSOCIATES, INC.3 Filed as: NEFOUSE & ASSOCIATES , INC. | 8435 KEYSTONE CROSSING SUITE 160 INDIANAPOLIS, IN 462404354 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.74% |
| GREGORY & APPEL, INC.3 | 433 N CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.98% |
| NEFOUSE & ASSOCIATES, INC.3 | 8435 KEYSTONE CROSSING SUITE 160 INDIANAPOLIS, IN 462404354 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $831 | $0 | $831 | 8.79% |
| GREGORY & APPEL, INC.3 | 433 N CAPITOL AVENUE SUITE 400 INDIANAPOLIS, IN 46204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $588 | $0 | $588 | 6.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS ADMINSTRATOR | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Non-monetary compensation; Other services; Participant communication Service code 12 | 280 TRUMBALL ST #5 HARTFORD, CT 06103 | $11K |
| EVERNORTH CARE SOLUTIONS, INC. EIN 86-1465626 EMPLOYEE ASSISTANCE | Contract Administrator; Claims processing; Direct payment from the plan; Participant communication Service code 12 | 280 TRUMBALL 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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 245 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 245 | $2.5M |
| Vision | VISION SERVICE PLAN | 328 | $43K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $59K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 315 | $114K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 245 | $2.5M |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 328 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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."
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.