| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS, INC. | P.O. BOX 8115 WESTCHESTER, IL 601548115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | $0 | $31K | 4.88% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM BENEFITS, INC. | 800 ROOSEVELT ROAD GLEN ELLYN, IL 60137 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $0 | $26K | 4.04% |
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS, INC. | P.O. BOX 8115 WESTCHESTER, IL 601548115 | COMPBENEFITS DENTAL, INC. | $1K | $0 | $1K | 2.32% |
| LEEN GHANDOUR3 | 418 STONEGATE COURT WILLOWBROOK, ID 605275451 | COMPBENEFITS DENTAL, INC. | $1K | $0 | $1K | 2.12% |
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS, INC. | P.O. BOX 60154 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS, INC. | P.O. BOX 8115 WESTCHESTER, IL 601548115 | HUMANADENTAL INSURANCE COMPANY | $882 | $0 | $882 | 7.38% |
| LEEN GHANDOUR3 | 418 STONEGATE COURT WILLOWBROOK, IL 605275451 | HUMANADENTAL INSURANCE COMPANY | $279 | $0 | $279 | 2.33% |
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS, INC. | P.O. BOX 8115 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $921 | $0 | $921 | 10.00% |
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS, INC. | P.O. BOX 8115 WESTCHESTER, IL 601548115 | HUMANA INSURANCE COMPANY | $129 | $0 | $129 | 2.59% |
| LEEN GHANDOUR3 | 418 STONEGATE COURT WILLOWBROOK, IL 605275451 | HUMANA INSURANCE COMPANY | $108 | $0 | $108 | 2.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE COMPANY | Float revenue; Claims processing; Non-monetary compensation; Direct payment from the plan; Named fiduciary; Participant communication; Other services; Contract Administrator Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE COMPANY | Claims processing; Float revenue; Other services; Participant communication; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $0 |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $632K |
| Dental(2 contracts, 2 carriers) | COMPBENEFITS DENTAL, INC. | 118 | $66K |
| Vision | HUMANADENTAL INSURANCE COMPANY | 102 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $27K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $9K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 186 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.