| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT RIVER, LLC3 Filed as: BENEFIT RIVER LLC | 95 VITA CT BOZEMAN, MT 597186637 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 9.23% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 1.47% |
| BENEFIT RIVER, LLC3 Filed as: BENEFIT RIVER LLC | 95 VITA CT BOZEMAN, MT 597186637 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 8.53% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 913614026 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $337 | $3K | 3.39% |
| FALL RIVER CONSULTING GROUP LLC3 Filed as: FALL RIVER CONSULTING GROUP | 2829 WYANDOT ST DENVER, CO 802114315 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.55% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 76 | $230K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $101K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $101K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $101K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $101K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.