| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEAGUE CORP3 | 515 N STATE ST STE 800 CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | $200K | $220K | 5.15% |
| LEAGUE CORP3 | 515 N STATE ST STE 800 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 11.11% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST, STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 5.16% |
| LEAGUE CORP3 | 515 N STATE ST STE 800 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 7.45% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.20% |
| LEAGUE CORP3 | 515 N STATE ST STE 800 CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 13.47% |
| LEAGUE CORP3 | 515 N STATE ST STE 800 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.52% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST, STE 100 DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $691 | — | $691 | 5.19% |
| LEAGUE CORP3 | 515 N STATE ST STE 800 CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 13.27% |
| LEAGUE CORP3 | 515 N STATE ST STE 800 CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $420 | — | $420 | 13.13% |
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 | 665 | 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) | 665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 807 | $4.3M |
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 807 | $4.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 807 | $4.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 730 | $97K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 665 | $210K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 807 | $4.3M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 807 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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.