| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VITA INSURANCE ASSOCIATES, INC.3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $159K | — | $159K | 8.57% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | STANDARD INSURANCE COMPANY | $29K | $8K | $38K | 4.23% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | DELTA DENTAL OF CALIFORNIA | $20K | — | $20K | 5.00% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | STANDARD INSURANCE COMPANY | $15K | $3K | $18K | 7.88% |
| VITA INSURANCE ASSOCIATES, INC.3 | — | STANDARD INSURANCE COMPANY | $6K | $2K | $8K | 4.73% |
| VITA INSURANCE ASSOCIATES, INC.3 | 900 N. SHORELINE BLVD MOUNTAIN VIEW, CA 94043 | VISION SERVICE PLAN | $2K | — | $2K | 2.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE COMP. EIN 59-1031071 THIRD PARTY ADMINISTRATOR | Direct payment from the plan; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing; Named fiduciary; Participant communication; Other services Service code 12 | — | $199K |
| CIGNA HEALTH & LIFE INS. COMPANY | Participant communication; Named fiduciary; Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $0 |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $1.9M |
| Dental | DELTA DENTAL OF CALIFORNIA | 212 | $399K |
| Vision | VISION SERVICE PLAN | 206 | $64K |
| Life insurance | STANDARD INSURANCE COMPANY | 222 | $228K |
| Short-term disability | STANDARD INSURANCE COMPANY | 222 | $170K |
| Long-term disability | STANDARD INSURANCE COMPANY | 222 | $894K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 204 | $1.9M |
| Other | STANDARD INSURANCE COMPANY | 222 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.