| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSUREYOURPEOPLE, LLC3 Filed as: INSUREYOURPEOPLE LLC | 40 E RIO SALADO PKWY STE 900 TEMPE, AZ 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $42K | $42K | 4.18% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $913 | $5K | 6.26% |
| INSUREYOURPEOPLE, LLC3 | 303 2ND STREET NORTH TOWER SUITE 450 SAN FRANCISCO, CA 94107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $811 | $634 | $1K | 1.77% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $705 | $0 | $705 | 0.86% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $0 | $5K | 11.06% |
| INSUREYOURPEOPLE, LLC3 | 40 E RIO SALADO PKWY STE 900 TEMPE, AZ 85281 | MUTUAL OF OMAHA INSURANCE COMPANY | $908 | $0 | $908 | 2.10% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST STE 401 SAN FRANCISCO, CA 94107 | MUTUAL OF OMAHA INSURANCE COMPANY | $799 | $0 | $799 | 1.84% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $561 | $0 | $561 | 11.07% |
| INSUREYOURPEOPLE, LLC3 | 40 E RIO SALADO PKWY STE 900 TEMPE, AZ 85281 | COMPANION LIFE INSURANCE COMPANY | $107 | $0 | $107 | 2.11% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST STE 401 SAN FRANCISCO, CA 94107 | COMPANION LIFE INSURANCE COMPANY | $92 | $0 | $92 | 1.81% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | $433 | $0 | $433 | 10.59% |
| INSUREYOURPEOPLE, LLC3 | 40 E RIO SALADO PKWY STE 900 TEMPE, AZ 85281 | COMPANION LIFE INSURANCE COMPANY | $96 | $0 | $96 | 2.35% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST STE 401 SAN FRANCISCO, CA 94107 | COMPANION LIFE INSURANCE COMPANY | $84 | $0 | $84 | 2.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 PLAN ADMINISTRATOR | Claims processing; Plan Administrator; Contract Administrator; Other services Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $50K |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 181 | $997K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $82K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $82K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 164 | $5K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 164 | $43K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 164 | $43K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 164 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.