| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE COVERAGE LLC3 | 2219 YORK ROAD, SUITE 302 TIMONIUM, MD 21093 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $99K | $100K | 5.35% |
| CORPORATE COVERAGE LLC3 | 2219 YORK ROAD, SUITE 302 TIMONIUM, MD 21093 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 12.13% |
| CORPORATE COVERAGE LLC | 2219 YORK ROAD, SUITE 302 TIMONIUM, MD 21093 | DOMINION NATIONAL F/K/A DENTAQUEST | $2K | — | $2K | 7.03% |
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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 184 | $1.9M |
| Dental | DOMINION NATIONAL F/K/A DENTAQUEST | 85 | $24K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 184 | $1.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 249 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.