| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXIBLE BENEFITS PLANS INC3 | PO BOX 873 VALLEY FORGE, PA 194820873 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $239K | $239K | 3.85% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BENEFITS GENERAL AG | 400 BERWYN PARK STE 200 BERWYN, PA 193121190 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $62 | $62 | 0.00% |
| FLEXIBLE BENEFITS PLANS INC3 Filed as: FLEXIBLE BENEFITS PLANS INC PO | PO BOX 873 VALLEY FORGE, PA 194820873 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $36K | $0 | $36K | 9.91% |
| FLEXIBLE BENEFITS PLANS INC3 | PO BOX 873 VALLEY FORGE, PA 194820873 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 4.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LDT | 400 BROADHOLLOW RD STE 200 MELVILLE, NY 117474708 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.95% |
No Schedule C service providers reported on this filing.
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 462 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 543 | $6.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 360 | $362K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 360 | $362K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 461 | $265K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 461 | $265K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 461 | $265K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 461 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 543 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.