| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM BENEFITS, INC. | 799 ROOSEVELT ROAD BLDG 6 - SUITE 107 GLEN ELLYN, IL 60137 | CIGNA HEALTH AND LIFE INS COMPANY | $0 | $46K | $46K | 3.22% |
| THE PROVANT GROUP LLC3 | PO BOX 7871 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INS COMPANY | $38K | $0 | $38K | 2.68% |
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS, INC. | PO BOX 8115 WESTCHESTER, IL 60154 | CIGNA HEALTH AND LIFE INS COMPANY | $18K | $0 | $18K | 1.26% |
| THE PROVANT GROUP LLC3 | PO BOX 7871 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INS COMPANY | $9K | $0 | $9K | 5.45% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM BENEFITS, INC. | 799 ROOSEVELT ROAD STE 107 GLEN ELLYN, IL 60137 | CIGNA HEALTH AND LIFE INS COMPANY | $0 | $6K | $6K | 3.46% |
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS, INC. | PO BOX 8115 WESTCHESTER, IL 60154 | CIGNA HEALTH AND LIFE INS COMPANY | $3K | $0 | $3K | 1.54% |
| KANDACE M MCCARTHY3 Filed as: KANDACE MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INS COMPANY | $2K | $0 | $2K | 3.87% |
| THE PROVANT GROUP LLC3 | 351 W HUBBARD ST STE 708 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INS COMPANY | $891 | $0 | $891 | 2.12% |
| GROUP BENEFITS PARTNERS, INC3 | PO BOX 8115 WESTCHESTER, IL 60154 | CONTINENTAL AMERICAN INS COMPANY | $610 | $0 | $610 | 1.45% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL MCCARTHY | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INS COMPANY | $228 | $0 | $228 | 0.54% |
| RALPH JOHNSON3 | 24745 MANOR DRIVE SHOREWOOD, IL 60404 | CONTINENTAL AMERICAN INS COMPANY | $96 | $0 | $96 | 0.23% |
| KELLY V ZURZOLO3 Filed as: KELLY ZURZOLO | 535 ABBEYWOOD DRIVE CARY, IL 60013 | CONTINENTAL AMERICAN INS COMPANY | $29 | $0 | $29 | 0.07% |
| EDWARD RUMSAS3 | 4381 HUNTERS CIRCLE EAST CANTON, MI 48188 | CONTINENTAL AMERICAN INS COMPANY | $6 | $0 | $6 | 0.01% |
| THE PROVANT GROUP LLC3 | 351 W. HUBBARD ST SUITE 708 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 12.42% |
| GROUP BENEFITS PARTNERS, INC3 | PO BOX 8115 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $914 | $0 | $914 | 2.58% |
| THE PROVANT GROUP LLC3 | 351 W HUBBARD ST SUITE 708 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 7.88% |
| GROUP BENEFITS PARTNERS, INC3 | PO BOX 8115 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $305 | $0 | $305 | 1.63% |
| THE PROVANT GROUP LLC3 | PO BOX 7871 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INS COMPANY | $505 | $0 | $505 | 5.28% |
| MILLENIUM BENEFITS3 Filed as: MILLENIUM BENEFITS PARTNERS, INC. | 799 ROOSEVELT ROAD BLDG 6 - SUITE 107 GLEN ELLYN, IL 60137 | CIGNA HEALTH AND LIFE INS COMPANY | $0 | $382 | $382 | 4.00% |
| GROUP BENEFITS PARTNERS, INC3 Filed as: GROUP BENEFITS PARTNERS, INC. | PO BOX 8115 WESTCHESTER, IL 60154 | CIGNA HEALTH AND LIFE INS COMPANY | $164 | $0 | $164 | 1.72% |
| THE PROVANT GROUP LLC3 | PO BOX 7871 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INS COMPANY | $12 | $0 | $12 | 5.41% |
| GROUP BENEFITS PARTNERS, INC3 | PO BOX 8115 WESTCHESTER, IL 60154 | CIGNA HEALTH AND LIFE INS COMPANY | $4 | $0 | $4 | 1.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Direct payment from the plan; Float revenue; Other services; Contract Administrator; Participant communication; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $28K |
| CIGNA HEALTH AND LIFE INS COMPANY | Contract Administrator; Claims processing; Non-monetary compensation; Participant communication; Other services; Named fiduciary; Direct payment from the plan; Float revenue 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 | 320 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INS COMPANY | 406 | $1.4M |
| Dental(3 contracts) | CIGNA HEALTH AND LIFE INS COMPANY | 228 | $174K |
| Vision | CIGNA HEALTH AND LIFE INS COMPANY | 228 | $164K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INS COMPANY | 320 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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.