| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | P.O. BOX 6180 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $27K | — | $27K | 5.35% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 1 STATE STREET PLAZA, 9TH FLOOR NEW YORK, NY 10004 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $18K | — | $18K | 12.53% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N. PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | $5K | $8K | 5.82% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 1 STATE STREET PLAZA, 9TH FLOOR NEW YORK, NY 10004 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $16K | — | $16K | 12.53% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N. PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | $4K | $8K | 5.82% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 1 STATE STREET PLAZA, 9TH FLOOR NEW YORK, NY 10004 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $16K | — | $16K | 12.54% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N. PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $4K | $4K | $8K | 6.55% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | P.O. BOX 6180 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 9.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $567 | — | $567 | 1.07% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | P.O. BOX 6180 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 9.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $647 | — | $647 | 1.23% |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 342 | $610K |
| Vision(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 342 | $610K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 559 | $143K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 559 | $127K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 559 | $129K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 559 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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.