| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATES HEALTH GROUP LLC | 333 W HAMPDEN AVE STE 930 ENGLEWOOD, CO 80110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $622 | $14K | $15K | 2.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERICAN SPECIALTY HEALTH | Other services; Float revenue; Participant communication; Claims processing; Named fiduciary; Non-monetary compensation; Contract Administrator; Direct payment from the plan Service code 12 | — | $0 |
| CARECORE D/B/A EVICORE | Float revenue; Other services; Non-monetary compensation; Participant communication; Named fiduciary; Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $0 |
| CIGNA HEALTHY REWARDS VENDORS | Other services; Float revenue; Non-monetary compensation; Direct payment from the plan; Contract Administrator; Claims processing; Participant communication; Named fiduciary Service code 12 | — | $0 |
| MEDSOLUTIONS D/B/A/ EVICORE. INC. | Other services; Contract Administrator; Direct payment from the plan; Claims processing; Named fiduciary; Float revenue; Participant communication; Non-monetary compensation Service code 12 | — | $0 |
| U.S. BANK NATIONAL ASSOCIATION | Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Participant communication; Named fiduciary; Other services; Direct payment from the plan 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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 164 | $570K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.