| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INOVA LLC3 Filed as: INOVA BENEFITS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $0 | $15K | 9.52% |
| ENROLLEASE3 Filed as: CARAVUS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.45% |
| ROGERS BENEFIT GROUP INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.90% |
| INOVA LLC3 Filed as: INOVA BENEFITS LLC | 11877 DOUGLAS ROAD SUITE 102282 ALPHARETTA, GA 30005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $67 | $1K | 9.18% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N MERAMAC AVE SUITE 300 ST LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $962 | $0 | $962 | 6.25% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PHY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $449 | $449 | 2.92% |
| INOVA LLC3 Filed as: INOVA BENEFITS LLC | 11877 DOUGLAS ROAD SUITE 102282 ALPHARETTA, GA 30005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $209 | $16 | $225 | 7.14% |
| ENROLLEASE3 Filed as: CARAVUS LLC | 168 N MERAMAC AVE SUITE 300 ST LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $130 | $0 | $130 | 4.13% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PHY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $105 | $105 | 3.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CARRIER | Named fiduciary; Float revenue; Direct payment from the plan; Other services; Participant communication; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $34K |
| HEALTHIESTYOU EIN 04-3705970 TELADOC | Claims processing Service code 12 | — | $10K |
| CARAVUS BROKER | Insurance agents and brokers Service code 22 | 168 N MERAMEC AVE SUITE 300 ST LOUIS, MO 63105 | $1K |
| INOVA BENEFITS BROKER | Insurance agents and brokers Service code 22 | 11877 DOGLASS ROAD SUITE 102282 ALPHARETTA, GA 30005 | $658 |
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 | 80 | 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) | 80 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 68 | $161K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 68 | $161K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 68 | $161K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $3K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $15K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 80 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 80 | — |
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.