| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $91K | $0 | $91K | 10.49% |
| ROGERS BENEFIT GROUP INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $37K | $37K | 4.27% |
| BENEFITS TEXAS, INC.3 | 5420 LBJ FWY STE 295 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| BENEFITS TEXAS, INC.3 Filed as: BENEFITS TEXAS, INC | 5420 LBJ FWY STE 295 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.24% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $662 | $662 | 1.41% |
| BENEFITS TEXAS, INC.3 Filed as: BENEFITS TEXAS INC | 5420 LBJ FWY STE 295 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| BENEFITS TEXAS, INC.3 Filed as: BENEFITS TEXAS INC | 5420 LBJ FWY STE 295 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $709 | $709 | 3.91% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $236 | $236 | 1.30% |
| BENEFITS TEXAS, INC.3 Filed as: BENEFITS TEXAS INC | 5420 LBJ FWY STE 295 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| BENEFITS TEXAS, INC.3 Filed as: BENEFITS TEXAS INC | 5420 LBJ FWY STE 295 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $775 | $775 | 4.94% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $258 | $258 | 1.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS PROCESSING | Contract Administrator; Claims processing; Non-monetary compensation; Direct payment from the plan; Other services; Float revenue; Participant communication; Named fiduciary Service code 12 | — | $19K |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 255 | $869K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 255 | $869K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 255 | $869K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $47K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 230 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
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.