| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IA 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $102K | $102K | 6.41% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 6.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICES | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 9.00% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 19.95% |
| SELERIX INSURANCE SERVICES, LLC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $456 | $4K | 11.30% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PARKWAY PLANO, TX 75024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $907 | $907 | 2.55% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 20.07% |
| SELERIX INSURANCE SERVICES, LLC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $318 | $3K | 11.19% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PARKWAY PLANO, TX 75024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $647 | $647 | 2.59% |
| AON CONSULTING INC3 Filed as: CUSTOM BENEFITS PROG INC AN AON CO | PO BOX 1116 HAMMONTON, NJ 08037 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 19.84% |
| SELERIX INSURANCE SERVICES, LLC3 | 2851 CRAIG DRIVE SUITE 300 MCKINNEY, TX 75072 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $278 | $2K | 11.12% |
| TBX EMPLOYEE BENEFITS LLC3 | 7500 DALLAS PARKWAY PLANO, TX 75024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $562 | $562 | 2.55% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 252 | $1.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 201 | $293K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $144K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $144K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $144K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $144K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.