| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1501 REEDSDALE ST PITTSBURGH, PA 15233 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $88K | $88K | 3.34% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 0.26% |
| TOMORROW'S EMPLOYMENT CONCEPTS LLC3 | 1000 BROOKTREE ROAD STE 300 WEXFORD, PA 15090 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$176 | -$176 | -0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $10K | — | $10K | 8.66% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $4K | — | $4K | 3.25% |
| SAGEWELL PARTNERS INC0 Filed as: SAGEWELL PARTNERS, INC. | 1501 REEDSSALE ST STE 403 PITTSBURGH, PA 15233 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $70 | — | $70 | 0.06% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $969 | — | $969 | 3.34% |
| TOMORROW'S EMPLOYMENT CONCEPTS LLC3 | 1000 BROOKTREE RD STE 300 WEXFORD, PA 15090 | SUN LIFE ASSURANCE COMPANY OF CANADA | $260 | — | $260 | 0.90% |
| SAGEWELL PARTNERS INC3 Filed as: SAGEWELL PARTNERS, INC. | 1501 REEDSDALE ST STE 403 PITTSBURGH, PA 15233 | HIGHMARK, INC. | $589 | — | $589 | 2.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | HIGHMARK, INC. | $529 | — | $529 | 1.97% |
| TOMORROW'S EMPLOYMENT CONCEPTS LLC3 | 1000 BROOKTREE RD STE 300 WEXFORD, PA 15090 | HIGHMARK, INC. | -$3 | — | -$3 | -0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATOR | Direct payment from the plan; Float revenue; Other services; Contract Administrator; Participant communication; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $0 |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 333 | $2.6M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 502 | $119K |
| Vision | HIGHMARK, INC. | 461 | $27K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 51 | $29K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 51 | $29K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 51 | $29K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 51 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.