| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTLOW INSURANCE AGENCY INC3 | P.O. BOX 2900 WINCHESTER, VA 22604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 5.73% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVENUE SUITE 2E MADISON, NJ 07940 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.44% |
| PARTLOW INSURANCE AGENCY INC3 | PO BOX 2900 WINCHESTER, VA 22604 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.44% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $99 | $99 | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATOR | Contract Administrator; Other commissions; Insurance brokerage commissions and fees; Claims processing Service code 12 | — | $215K |
| COMPSYCH EIN 35-3739783 CLAIMS ADMINISTRATOR | Contract Administrator; 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 | 554 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 376 | $225K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 376 | $225K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 554 | $131K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 554 | $131K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 554 | $131K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 554 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.