| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CIMA COMPANIES INC3 Filed as: CIMA COMPANIES INC | 2750 KILLARNEY DRIVE SUITE 202 WOODBRIDGE, VA 22192 | CIGNA HEALTH AND LIFE INSURANCE COMANY | $103K | — | $103K | 17.54% |
| THE CIMA COMPANIES INC3 Filed as: CIMA COMPANIES INC | 2750 KILLARNEY DRIVE SUITE 202 WOODBRIDGE, VA 22192 | DOMINION NATIONAL | $12K | — | $12K | 9.99% |
| THE CIMA COMPANIES INC3 Filed as: CIMA COMPANIES INC | 2750 KILLARNEY DRIVE SUITE 202 WOODBRIDGE, VA 22192 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.00% |
| THE CIMA COMPANIES INC3 Filed as: CIMA COMPANIES INC | 2750 KILLARNEY DRIVE SUITE 202 WOODBRIDGE, VA 22192 | CIGNA HEALTH AND LIFE INSURANCE COMANY | $1K | — | $1K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator 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 | 169 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMANY | 161 | $585K |
| Dental | DOMINION NATIONAL | 119 | $119K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMANY | 161 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.