| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS PARTNERS, INC3 | P.O. BOX 8115 WESTCHESTER, IL 601548115 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $0 | $35K | 4.50% |
| MILLENIUM BENEFITS3 Filed as: MILLENIUM BENEFITS INC | 800 ROOSEVELT ROAD GLEN ELLYN, IL 60137 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | $0 | $29K | 3.71% |
| GROUP BENEFITS PARTNERS, INC3 | P.O. BOX 8115 WESTCHESTER, IL 601548115 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 5.01% |
| KANDACE M MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.99% |
| GROUP BENEFITS PARTNERS, INC3 | P.O. BOX 8115 WESTCHESTER, IL 601548115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.27% |
| KELLY V ZURZOLO3 | 535 ABBEYWOOD CARY, IL 60013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $344 | $0 | $344 | 1.00% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $331 | $0 | $331 | 0.97% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 24743 W MANOR DR SHOREWOOD, IL 60404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $125 | $0 | $125 | 0.36% |
| EDWARD J RUMSAS3 | 431 HUNTERS CIRCLE EAST CANTON, MI 48188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.07% |
| GROUP BENEFITS PARTNERS, INC3 | P.O. BOX 8115 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 13.65% |
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS, | P.O. BOX 8115 WESTCHESTER, IL 601548115 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 9.12% |
| GROUP BENEFITS PARTNERS, INC3 | P.O. BOX 8115 WESTCHESTER, IL 601548115 | COMBENEFITS DENTAL, INC | $231 | $0 | $231 | 4.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Non-monetary compensation; Contract Administrator; Float revenue; Claims processing; Named fiduciary; Direct payment from the plan; Participant communication; Other services Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $30K |
| CIGNA HEALTH AND 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 INSURANCE COM | Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Other services; Contract Administrator; Participant communication; Non-monetary compensation 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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 184 | $783K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 132 | $90K |
| Vision | HUMANA INSURANCE COMPANY | 132 | $85K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $32K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 227 | $11K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 227 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.