| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.00% |
| BLUE CHIP BENEFITS3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.99% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.01% |
| BLUE CHIP BENEFITS3 | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 9.12% |
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALT 19 N PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $616 | $839 | $1K | 1.82% |
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALT 19 PALM HARBOR, FL 34683 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.14% |
| THE SOUTHERN REGION LLC3 | 6151 LAKE OSPREY DR 3RD FLOOR SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.39% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.92% |
| BLUE CHIP BENEFITS3 | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 9.21% |
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALT 19 N PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $334 | $172 | $506 | 1.19% |
| BLUE CHIP BENEFITS3 | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 9.28% |
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALT 19 N PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $291 | $445 | $736 | 1.82% |
| BLUE CHIP BENEFITS3 | 410 ARCHIBALD STREET KANSAS CITY, MO 64111 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 9.19% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $89 | $114 | $203 | 1.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIM ADMIN | Other services; Float revenue; Direct payment from the plan; Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation Service code 12 | — | $345K |
| BLUE CHIP BENEFITS, LLC BROKER | Insurance agents and brokers Service code 22 | 373 W 101ST TERRACE 200 KANSAS CITY, MO 64114 | $115K |
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 | 604 | 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) | 604 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 86 | $53K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 573 | $327K |
| Vision | EYEMED | 459 | $28K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 581 | $132K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $40K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $42K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 573 | $327K |
| Other(2 contracts) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 604 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.