| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | CIGNA HEALTH AND LIFE INSURANCE CAMPANY | $0 | $256K | $256K | 4.00% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | CIGNA HEALTH AND LIFE INSURANCE CAMPANY | $0 | $148 | $148 | 0.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE CAMPANY | $0 | $59 | $59 | 0.00% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | DELTA DENTAL OF NEW YORK | $25K | $5K | $30K | 10.00% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | EYEMED VISION CARE | $6K | $0 | $6K | 9.21% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | EYEMED VISION CARE | $432 | $0 | $432 | 0.69% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | THE HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 13.27% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 500 ROSS ST 154-0455 PITTSBURGH, PA 15262 | THE HARTFORD LIFE AND ACCIDENT | $60 | $25 | $85 | 0.14% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | THE LINCOLN LIFE INSURANCE COMPANY | $3K | $858 | $4K | 8.48% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | THE LINCOLN LIFE INSURANCE COMPANY | $6K | $759 | $7K | 16.87% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | THE LINCOLN LIFE INSURANCE COMPANY | — | $4K | $4K | 15.00% |
| ENROLLEASE3 Filed as: FIRST PERSON BENEFIT ADVISORS | 8900 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | THE LINCOLN LIFE INSURANCE COMPANY | $4K | $692 | $5K | 17.64% |
No Schedule C service providers reported on this filing.
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 | 741 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 763 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CAMPANY | 685 | $6.4M |
| Dental | DELTA DENTAL OF NEW YORK | 587 | $298K |
| Vision | EYEMED VISION CARE | 581 | $63K |
| Life insurance(2 contracts) | THE LINCOLN LIFE INSURANCE COMPANY | 741 | $70K |
| Short-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 142 | $26K |
| Long-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 196 | $41K |
| Other(2 contracts, 2 carriers) | THE HARTFORD LIFE AND ACCIDENT | 741 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 741 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.