| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM BENEFITS INC | 799 ROOSEVELT RD BLDG 6, STE 107 GLEN ELLYN, IL 60137 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $0 | $72K | $72K | 4.45% |
| THE PROVANT GROUP LLC3 | PO BOX 7871 CAROL STREAM, IL 60197 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $66K | $0 | $66K | 4.07% |
| KANDACE M MCCARTHY3 Filed as: KANDACE M. MCCARTHY | 1171 HEAVENS GATE LAKE IN THE HILLS, IL 60156 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.02% |
| THE PROVANT GROUP LLC3 | 351 W HUBBARD ST STE 708 CHICAGO, IL 60554 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.78% |
| MICHAEL E MCCARTHY3 | 1171 HEAVENS GATE LAKE IN THE HILLS, IL 60156 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | $0 | $278 | 0.14% |
| DEBORAH A GUILBEAULT3 Filed as: DEBORAH A. GUILBEAULT | 120 VALLEY VIEW ALGONQUIN, IL 60102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | $0 | $112 | 0.06% |
| RALPH H KEELER3 Filed as: RALPH E. JOHNSON | 24745 W MANOR DR SHOREWOOD, IL 60404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | $0 | $68 | 0.03% |
| EDWARD RUMSAS3 | 4381 HUNTERS CIRCLE EAST CANTON, MI 48188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.01% |
| KELLY V ZURZOLO3 Filed as: KELLY V. ZURZOLO | 535 ABBEYWOOD DR CARY, IL 60013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| THE PROVANT GROUP LLC3 | PO BOX 7871 CAROL STREAM, IL 60197 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $13K | $0 | $13K | 7.30% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM BENEFITS INC. | 799 ROOSEVELT RD BLDG 6, STE 107 GLEN ELLYN, IL 60137 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $0 | $8K | $8K | 4.35% |
| THE PROVANT GROUP LLC3 | 351 W HUBBARD ST STE 708 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 13.28% |
| THE PROVANT GROUP LLC3 | PO BOX 7871 CAROL STREAM, IL 60197 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $861 | $0 | $861 | 7.00% |
| MILLENIUM BENEFITS3 Filed as: MILLENIUM BENEFITS INC | 799 ROOSEVELT ROAD BUILDING 6, SUITE 107 CAROL STREAM, IL 60197 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $0 | $615 | $615 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Float revenue; Other services; Claims processing; Non-monetary compensation; Direct payment from the plan; Participant communication; Named fiduciary; Contract Administrator Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $69K |
| CIGNA HEALTH AND LIFE INSURANCE CO | Named fiduciary; Participant communication; Float revenue; Claims processing; Other services; Direct payment from the plan; Contract Administrator; 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 | 341 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 390 | $1.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 249 | $192K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY | 249 | $180K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 341 | $60K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY | 390 | $1.6M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 341 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.