| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITABILITY, LLC3 | 1250 OLD DIXIE HWY SUITE 1 LAKE PARK, FL 33403 | CIGNA | -$104 | — | -$104 | -0.01% |
| BENEFITABILITY, LLC3 | 1250 OLD DIXIE HWY SUITE 1 LAKE PARK, FL 33403 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 13.52% |
| BENEFITABILITY, LLC3 | 1250 OLD DIXIE HWY SUITE 1 LAKE PARK, FL 33403 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| BENEFIT ABILITY LLC3 | 1250OLD DIXIE HWY SUITE 1 LAKE PARK, FL 33403 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| BENEFITABILITY, LLC3 | 1250 OLD DIXIE HWY SUITE 1 LAKE PARK, FL 33403 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| BENEFITABILITY, LLC3 | 1250 OLD DIXIE HWY SUITE 1 LAKE PARK, FL 33403 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CARRIER | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Float revenue Service code 12 | — | $23K |
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 | 485 | 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) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 844 | $1.2M |
| Dental | CIGNA | 844 | $1.2M |
| Vision | CIGNA | 844 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 696 | $158K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 485 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 485 | $42K |
| Prescription drug | CIGNA | 844 | $1.2M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 692 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 844 | — |
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."
No prospect flags tripped on this filing.