| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $77K | $43K | $121K | 15.62% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $61K | $36K | $97K | 15.86% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $19K | $59K | 14.95% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 9225 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 | EYEMED VISION CARE | $17K | — | $17K | 10.02% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $7K | $18K | 15.63% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $498 | — | $498 | 9.99% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $9 | — | $9 | 10.00% |
No Schedule C service providers reported on this filing.
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 | 2,432 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 3,476 | $168K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,432 | $773K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 763 | $392K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,360 | $612K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 1,825 | $1.7M |
| Other(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 265 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,476 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.