| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBENCONCEPTS COMPANY3 Filed as: EBENCONCEPTS | 15305 DALLAS PARKWAY STE 800 ADDISON, TX 75001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $67K | $75K | 6.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | PO BOX 745867 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$23 | $144 | $121 | 0.01% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY STE 800 ADDISON, TX 75001 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 12.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Other fees; Contract Administrator Service code 13 | — | $67K |
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 | 602 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 602 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 602 | $1.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 602 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 423 | $83K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 423 | $83K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 423 | $83K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 423 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.