| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS PARTNERS, INC3 | P.O. BOX 8115 WESTCHESTER, IL 60154 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $0 | $31K | 6.76% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM BENEFITS, INC. | 800 ROOSEVELT ROAD GLEN ELLYN, IL 60137 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $0 | $22K | 4.71% |
| GROUP BENEFITS PARTNERS, INC3 | P.O. BOX 8115 WESTCHESTER, IL 60154 | HUMANA INSURANCE COMPANY | $3K | $0 | $3K | 4.63% |
| GROUP BENEFITS PARTNERS, INC3 | P.O. BOX 8115 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 14.72% |
| GROUP BENEFITS PARTNERS, INC3 | P.O. BOX 8115 WESTCHESTER, IL 60154 | HUMANA DENTAL INSURANCE COMPANY | $1K | $0 | $1K | 9.95% |
| GROUP BENEFITS PARTNERS, INC3 | P.O. BOX 8115 WESTCHESTER, IL 60154 | COMPBENEFITS DENTAL, INC. | $137 | $0 | $137 | 4.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $26K |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $463K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 113 | $64K |
| Vision | HUMANA DENTAL INSURANCE COMPANY | 91 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $31K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.