| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA3 Filed as: CIGNA HEALTH & LIFE INSURANCE COMPA | CORPORATE HEADQUARTERS 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $49K | $49K | 2.58% |
| BACH INSURANCE SERVICES INC Filed as: BACH INSURANCE SERVICES | 18-3 EAST DUNDEE ROAD SUITE 310 BARRINGTON, IL 60010 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $42K | — | $42K | 2.22% |
| BACH INSURANCE SERVICES INC3 Filed as: BACH INSURANCE SERVICES | 18-3 EAST DUNDEE ROAD SUITE 310 BARRINGTON, IL 600105275 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 5.32% |
| BACH INSURANCE SERVICES INC Filed as: BACH INSURANCE SERVICES, INC. | 18-3 E DUNDEE ROAD SUITE 310 BARRINGTON, IL 600105275 | VISION SERVICE PLAN | $848 | — | $848 | 6.23% |
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 | 261 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 249 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $153K |
| Vision | VISION SERVICE PLAN | 176 | $14K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $153K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 261 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.