Filings through .
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.
Schedule A insurance contracts: who carries the risk, for which benefits, and how many people they cover.
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Brightline Dealer Advisors LLC HealthStop-loss | HealthStop-loss | Available on Pro |
Broker: Brightline Dealer Advisors LLC DentalVisionLifeSTDOther | DentalVisionLifeSTDOther | Available on Pro |
See premium, retention and renewal dates for 2 contracts with Pro. Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, then $49 a month.
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 | 282 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $550K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $127K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $127K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $127K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $127K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $550K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 282 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | - |
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."
Brokers paid through Schedule A and service providers paid through Schedule C.
| Broker | Commissions, fees |
|---|---|
Carrier: Cigna Health and Life Insurance Company | Available on Pro |
Carrier: The Guardian Life Insurance Company of America | Available on Pro |
Carrier: The Guardian Life Insurance Company of America | Available on Pro |
Carrier: The Guardian Life Insurance Company of America | Available on Pro |
Carrier: The Guardian Life Insurance Company of America | Available on Pro |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CONTRACT ADMINISTRATRO | Contract Administrator Service code 13 | — | $57K |
How the health and benefits plan is funded and what that means for risk.
3 contacts
1 filing