No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Participant communication; Contract Administrator; Other services; Claims processing; Direct payment from the plan; Named fiduciary Service code 12 | — | $7.5M |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $204K |
| CIGNA BEHAVIORAL HEALTH INC EIN 41-1648670 CONTRACT ADMINISTRATOR | Other services; Claims processing; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | — | $178K |
| PRICEWATERHOUSECOOPERS LLP EIN 13-4008324 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $112K |
| WILLIS TOWERS WATSON US LLC EIN 53-0181291 ACTUARY | Direct payment from the plan; Actuarial Service code 11 | — | $59K |
| JPMORGAN CHASE BANK NA EIN 13-4994650 TRUSTEE | Custodial (securities); Float revenue; Trustee (directed); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 19 | — | $8K |
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 | 4,828 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,320 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $17K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $17K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,381 | $13.4M |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,381 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.