No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 ADMINISTRATOR | Claims processing; Direct payment from the plan; Participant communication; Contract Administrator Service code 12 | — | $17K |
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 | 1,225 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | HEALTH FIRST HEALTH PLANS, INC. | 657 | $13.5M |
| Dental(2 contracts, 2 carriers) | CIGNA | 657 | $6.2M |
| Vision | CIGNA | 657 | $4.2M |
| Life insurance | CIGNA | 1,183 | $495K |
| Short-term disability | CIGNA | 1,065 | $159K |
| Long-term disability | CIGNA | 530 | $347K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 23 | $279K |
| Other(8 contracts, 5 carriers) | CIGNA HEALTH ADN LIFE INSURANCE | 1,225 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,225 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.