| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE | 221 S CHURCH ST BOWLING GREEN, OH 43402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $30K | $56K | 2.34% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $2K | $43K | 1.78% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 0.33% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | CIGNA GROUP INSURANCE | $7K | $1K | $8K | 15.19% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | CIGNA GROUP INSURANCE | $922 | — | $922 | 1.77% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | CIGNA GROUP INSURANCE | $6K | $882 | $7K | 15.02% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | CIGNA GROUP INSURANCE | $873 | — | $873 | 1.87% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | CIGNA GROUP INSURANCE | $2K | $250 | $2K | 14.43% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | CIGNA GROUP INSURANCE | $325 | — | $325 | 2.47% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | CIGNA GROUP INSURANCE | $719 | — | $719 | 13.01% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | CIGNA GROUP INSURANCE | $110 | — | $110 | 1.99% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE INC. | 221 S CHURCH ST BOWLING GREEN, OH 43402 | CIGNA GROUP INSURANCE | $530 | $92 | $622 | 14.60% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | CIGNA GROUP INSURANCE | $109 | — | $109 | 2.56% |
| HUNTINGTON INSURANCE INC3 | 221 S CHURCH ST BOWLING GREEN, OH 43402 | CIGNA GROUP INSURANCE | $177 | $135 | $312 | 21.97% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | CIGNA GROUP INSURANCE | $36 | — | $36 | 2.54% |
| BRAD SCOFFIN3 | 7931 TS AVENUE EAST SCOTTS, MI 49088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 2.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 ADMINISTRATOR | Claims processing; Direct payment from the plan; Participant communication; Contract Administrator Service code 12 | — | $9K |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 739 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 739 | $2.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 739 | $2.4M |
| Life insurance(2 contracts) | CIGNA GROUP INSURANCE | 0 | $56K |
| Short-term disability | CIGNA GROUP INSURANCE | 0 | $13K |
| Long-term disability | CIGNA GROUP INSURANCE | 0 | $47K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 739 | $2.4M |
| Other(4 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 2 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.