| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WLA INSURANCE LLC3 | 1246 S THIRD ST LOUISVILLE, KY 40203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $49K | $7K | $56K | 9.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1246 S THIRD ST LOUISVILLE, KY 40203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | $3K | $31K | 5.25% |
| WLA INSURANCE LLC3 | 1246 S THIRD ST LOUISVILLE, KY 40203 | GUARDIAN LIFE INSURANCE COVERAGE | $13K | $1K | $14K | 9.61% |
| WATCHTOWER BENEFITS, LLC5 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN LIFE INSURANCE COVERAGE | $2K | — | $2K | 1.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH INSURANCE COMPANY EIN 59-1031071 INSURANCE CARRIER | Claims processing; Recordkeeping fees Service code 12 | — | $31K |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 293 | $597K |
| Dental | GUARDIAN LIFE INSURANCE COVERAGE | 119 | $143K |
| Vision | GUARDIAN LIFE INSURANCE COVERAGE | 119 | $143K |
| Life insurance | GUARDIAN LIFE INSURANCE COVERAGE | 119 | $143K |
| Short-term disability | GUARDIAN LIFE INSURANCE COVERAGE | 119 | $143K |
| Long-term disability | GUARDIAN LIFE INSURANCE COVERAGE | 119 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.