| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS INC. | PO BOX 8115 WESTCHESTER, IL 60154 | CIGNA HEALTH AND LIFE INSURANCE CO | $44K | — | $44K | 4.37% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM BENEFITS INC. | 800 ROOSEVELT ROAD GLEN ELLYN, IL 60137 | CIGNA HEALTH AND LIFE INSURANCE CO | — | $36K | $36K | 3.61% |
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS INC. | PO BOX 8115 WESTCHESTER, IL 60154 | COMPUBENEFITS DENTAL INC. | $3K | — | $3K | 3.41% |
| KANDACE M MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.25% |
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS INC. | PO BOX 8115 WESTCHESTER, IL 60154 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.23% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $318 | — | $318 | 0.81% |
| KELLY V ZURZOLO3 | 535 ABBEYWOOD DR CARY, IL 60013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $189 | — | $189 | 0.48% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 24745 W MANOR DR SHOREWOOD, IL 60404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $104 | — | $104 | 0.26% |
| EDWARD J RUMSAS3 | 4381 HUNTERS CIRCLE EAST CANTON, MI 48188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS INC. | PO BOX 8115 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.76% |
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS INC. | PO BOX 8115 WESTCHESTER, IL 60154 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 8.18% |
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS INC. | PO BOX 8115 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Non-monetary compensation; Claims processing; Participant communication; Contract Administrator; Named fiduciary; Direct payment from the plan; Other services; Float revenue Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $20K |
| CIGNA HEALTH AND LIFE CO | Participant communication; Claims processing; Other services; Float revenue; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Named fiduciary Service code 12 | — | $144 |
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 | 285 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO | 315 | $997K |
| Dental(2 contracts, 2 carriers) | COMPUBENEFITS DENTAL INC. | 184 | $126K |
| Vision | HUMANA INSURANCE COMPANY | 184 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $16K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 285 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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.