| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITABILITY, LLC3 | 1250 OLD DIXIE HWY SUITE 1 LAKE PARK, FL 33403 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | — | $0 | 0.00% |
| BENEFITABILITY, LLC3 | 7805 92ND COURT VERO BEACH, FL 32967 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $5K | $17K | 6.99% |
| BENEFITABILITY, LLC3 Filed as: BENEFITABILITY LLC | 7805 92ND COURT VERO BEACH, FL 32967 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.96% |
| BENEFITABILITY, LLC3 | 7805 92ND COURT VERO BEACH, FL 32967 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.96% |
| BENEFITABILITY, LLC3 | 7805 92ND COURT VERO BEACH, FL 32967 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.96% |
| BENEFITABILITY, LLC3 | 7805 92ND COURT VERO BEACH, FL 32967 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 1.99% |
| BENEFITABILITY, LLC3 | 7805 92ND COURT VERO BEACH, FL 32967 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $445 | $5K | 21.91% |
| BENEFITABILITY, LLC3 | 7805 92ND COURT VERO BEACH, FL 32967 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $262 | $3K | 22.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Named fiduciary; Direct payment from the plan; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $29K |
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 | 548 | 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) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,046 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,046 | $2.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,046 | $2.0M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 548 | $249K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 548 | $50K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 548 | $55K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,046 | $2.0M |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 674 | $392K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,046 | — |
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.