| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBINSON FINANCIAL GROUP INC3 Filed as: ROBINSON FINANCIAL GROUP, INC. | 8833 GROSS POINT ROAD SUITE 200 SKOKIE, IL 600771859 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 15.88% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 2340 DES PLAINES RIVER ROAD UNIT 211 DES PLAINES, IL 60018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21K | $21K | 6.35% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P.O. BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 18.54% |
| ROBINSON FINANCIAL GROUP INC3 Filed as: ROBINSON FINANCIAL GROUP, INC. | 8833 GROSS POINT ROAD SUITE 200 SKOKIE, IL 600771859 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.65% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $801 | $801 | 1.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 INSURANCE CARRIER | Insurance services; Contract Administrator Service code 13 | — | $26K |
| CIGNA HEALTH & LIFE INSURANCE CO. | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; 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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $326K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $53K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $53K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $53K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 196 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.