| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRTUS LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| VIRTUS LLC3 | PO BOX 875505 KANSAS CITY, MO 64187 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $72 | — | $72 | 0.50% |
| VIRTUS LLC3 | 9800 METCALF AVE STE 500 OVERLAND PARK, KS 662122216 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $528 | — | $528 | 10.00% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6 | $68K |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 257 | $889K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 257 | $827K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $117K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $41K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 271 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.