| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PROVANT GROUP LLC3 | PO BOX 7871 CAROL STREAM, IL 60197 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $63K | $0 | $63K | 4.38% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM BENEFITS INC | 799 ROOSEVELT ROAD BLDG 6 - SUITE 107 GLEN ELLYN, IL 60137 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $0 | $53K | $53K | 3.67% |
| THE PROVANT GROUP LLC3 | PO BOX 7871 CAROL STREAM, IL 60197 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $12K | $0 | $12K | 7.31% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM BENEFITS INC | 799 ROOSEVELT RD BLDG 6, SUITE 107 GLEN ELLYN, IL 60137 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $0 | $7K | $7K | 4.33% |
| THE PROVANT GROUP LLC3 | 351 W HUBBARD ST STE 708 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $73K | $0 | $73K | 132.30% |
| KANDACE M MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.99% |
| THE PROVANT GROUP LLC3 Filed as: PROVANT GROUP LLC | 351 W HUBBARD STREET CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.54% |
| DEBORAH A GUILBEAULT3 | 120 VALLEY VIEW ALGONQUIN, IL 60102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | $0 | $291 | 0.77% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $269 | $0 | $269 | 0.72% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 24745 W MANOR DRIVE SHOREWOOD, IL 60404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | $0 | $72 | 0.19% |
| KELLY V ZURZOLO3 | 535 ABBEYWOOD DRIVE CARY, IL 60013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.05% |
| EDWARD J RUMSAS3 | 4381 HUNTERS CIRCLE EAST CANTON, MI 48188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Participant communication; Contract Administrator; Float revenue; Other services; Claims processing; Direct payment from the plan; Named fiduciary; Non-monetary compensation Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $74K |
| CIGNA HEATLH AND LIFE INSURANCE CO | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Claims processing; Non-monetary compensation; Named fiduciary; 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 | 317 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 365 | $1.4M |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 236 | $163K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 236 | $163K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $55K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY | 365 | $1.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.