| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP BENEFIT PARTNERS LLC3 Filed as: GROUP BENEFIT PARTNERS, INC. | PO BOX 8115 WESTCHESTER, IL 60154 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $49K | $0 | $49K | 4.19% |
| MILLENNIUM BENEFIT INC3 Filed as: MILLENNIUM BENEIFTS, INC. | 800 ROOSEVELT ROAD GLEN ELLYN, IL 60137 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $0 | $40K | $40K | 3.47% |
| GROUP BENEFIT PARTNERS LLC3 Filed as: GROUP BENEFIT PARTNERS, INC. | PO BOX 8115 WESTCHESTER, IL 601548115 | HUMANA INSURANCE COMPANY | $6K | $0 | $6K | 4.28% |
| KANDICE M MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 6.91% |
| GROUP BENEFIT PARTNERS LLC3 Filed as: GROUP BENEFIT PARTNERS, INC. | PO BOX 8115 WESTCHESTER, IL 601548115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.36% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $350 | $0 | $350 | 0.83% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 24745 W MANOR DRIVE SHOREWOOD, IL 60404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | $0 | $91 | 0.21% |
| KELLY V ZURZOLO3 | 535 ABBEYWOOD DR CARY, IL 60013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.06% |
| EDWARD J RUMSAS3 | 4381 HUNTERS CIRCLE EAST CANTON, MI 48188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| GROUP BENEFIT PARTNERS LLC3 Filed as: GROUP BENEFIT PARTNERS, INC. | PO BOX 8115 WESTCHESTER, IL 60154 | UNUM LIFE INSURANACE COMPANY OF AMERICA | $5K | $0 | $5K | 16.13% |
| GROUP BENEFIT PARTNERS LLC3 Filed as: GROUP BENEFIT PARTNERS, INC. | PO BOX 8115 WESTCHESTER, IL 60154 | UNUM LIFE INSURANACE COMPANY OF AMERICA | $2K | $0 | $2K | 10.53% |
| GROUP BENEFIT PARTNERS LLC3 Filed as: GROUP BENEFIT PARTNERS, INC. | PO BOX 8115 WESTCHESTER, IL 601548115 | COMPBENEFITS DENTAL, INC | $336 | $0 | $336 | 3.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Non-monetary compensation; Claims processing; Other services; Float revenue; Named fiduciary; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $15K |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 359 | $1.2M |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 186 | $144K |
| Vision | HUMANA INSURANCE COMPANY | 186 | $133K |
| Life insurance | UNUM LIFE INSURANACE COMPANY OF AMERICA | 303 | $18K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 303 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.