| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $147K | $0 | $147K | 27.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $5K | $13K | 25.71% |
| FMLA SOURCE INC3 | 455 N CITYFRONT PLZ DR 13TH FL CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 11.63% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 25.83% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 22.78% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $9K | 29.28% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 26.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 37.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 35.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 2500 CITYWEST BLVD, STE 2400 STE 2400 HOUSTON, TX 77042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 25.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTHY REWARD VENDORS EIN 85-0437037 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $113K |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 98 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 98 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 369 | $541K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 369 | $541K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $33K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $48K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $33K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.