| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITABILITY, LLC3 | 7805 92ND COURT VERO BEACH, FL 32967 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 5.00% |
| BENEFITABILITY, LLC3 | 7805 92ND COURT VERO BEACH, FL 32967 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 2.13% |
| BENEFITABILITY, LLC3 | 7805 92ND COURT VERO BEACH, FL 32967 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| BENEFITABILITY, LLC3 | 7805 92ND COURT VERO BEACH, FL 32967 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| BENEFITABILITY, LLC3 | 7805 92ND COURT VERO BEACH, FL 32967 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| BENEFITABILITY, LLC3 | 7805 92ND COURT VERO BEACH, FL 32967 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIM ADMINISTRATION | Named fiduciary; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Participant communication 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 | 690 | 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) | 690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,090 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,090 | $2.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,090 | $2.1M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 690 | $266K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 690 | $69K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 577 | $86K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,090 | $2.1M |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 745 | $528K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,090 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.