| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERV INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $162K | $15K | $177K | 18.62% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN INS SVS | STE 100 CARMEL, IN 46032 | AMERICAN UNITED LIFE INSURANCE COMPANY | $65K | — | $65K | 15.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 4TH FL COLUMBIA, SC 29201 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | — | $11K | 2.55% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERV INC. | 6 CADILLAC DR SUITE 200 BRENTWOOD, TX 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $29K | $13K | $42K | 14.08% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERV INC. | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $4K | $13K | 25.12% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 4.56% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERV INC. | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $3K | $12K | 24.83% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 4.54% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERV INC. | 6 CADILLAC DRIVE SUITE 200 BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $3K | $11K | 25.17% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 4.56% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERV INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 16.56% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERV INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 12.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Participant communication; Contract Administrator; Other services; Non-monetary compensation; Claims processing; Named fiduciary; Float revenue; Direct payment from the plan Service code 12 | — | $117K |
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 | 1,103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 698 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 671 | $300K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 671 | $300K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,105 | $431K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,105 | $431K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,105 | $431K |
| Other(4 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,105 | $576K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,105 | — |
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.