| 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 AND LIFE INSURANCE COMPANY | $0 | $79K | $79K | 3.84% |
| THE PROVANT GROUP LLC3 | PO BOX 7871 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $72K | $0 | $72K | 3.51% |
| THE PROVANT GROUP LLC3 | PO BOX 7871 CAROL STREAM, IL 60197 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $0 | $15K | 7.29% |
| MILLENNIUM BENEFIT INC3 | 799 ROOSEVELT RD BLDG 6, SUITE 107 GLEN ELLYN, IL 60137 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.39% |
| THE PROVANT GROUP LLC3 | 351 W HUBBARD ST STE 708 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 11.05% |
| THE PROVANT GROUP LLC3 | 351 W HUBBARD ST STE 708 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 10.17% |
| KANDACE M MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 7.88% |
| KELLY V ZURZOLO3 | 535 ABBEYWOOD DRIVE CARY, IL 60013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $643 | $0 | $643 | 2.12% |
| KANDACE M MCCARTHY3 | 143 W WARFIELD DR MOORESVILLE, NC 28115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $439 | $0 | $439 | 1.45% |
| MICHAEL E MCCARTHY3 Filed as: MICHAEL E MC CARTHY | 143 W WARFIELD DRIVE MOORESVILLE, NC 28115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $344 | $0 | $344 | 1.14% |
| OVERBECK INSURANCE SERVICES3 | 479 N HARLEM AVE UNIT 1301 OAK PARK, IL 60301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | $0 | $105 | 0.35% |
| KANDACE M MCCARTHY3 Filed as: KANDACE MARY MCCARTHY | 143 W WARFIELD DR MOORSEVILLE, NC 28115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $97 | $0 | $97 | 0.32% |
| RALPH H KEELER3 Filed as: RALPH E JOHNSON | 24745 W MANOR DR SHOREWOOD, IL 60404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | $0 | $72 | 0.24% |
| DEBORAH A GUILBEAULT3 | 120 VALLEY VIEW DR ALGONQUIN, IL 60102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.07% |
| EDWARD RUMSAS3 | 4381 HUNTERS CIRCLE EAST CANTON, MI 48188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.05% |
| KELLY V ZURZOLO3 | 535 ABBEYWOOD DRIVE CARY, IL 60013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| THE PROVANT GROUP LLC3 | PO BOX 7871 CAROL STREAM, IL 60197 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $1K | $0 | $1K | 7.00% |
| MILLENNIUM CORPORATE SOLUTIONS3 Filed as: MILLENNIUM BENEFITS INC | 799 ROOSEVELT RD BLDG 6, SUITE 107 GLEN ELLYN, IL 60137 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $0 | $730 | $730 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 NONE | Participant communication; Named fiduciary; Non-monetary compensation; Float revenue; Other services; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $106K |
| CIGNA | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication 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 | 349 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 425 | $2.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $220K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $205K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 349 | $78K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 349 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.