| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYCEUM INSURANCE SERVICES LLC3 Filed as: LYCEUM INSURANCE SERVICES | 18310 MONTGOMERY VILLAGE AVE SUITE 230 GAITHERSBURG, MD 20879 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $148 | $56K | $56K | 4.56% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES | 6 NORTH PARK DR ST 310 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $59 | $22K | $22K | 1.82% |
| LYCEUM INSURANCE SERVICES LLC3 | 18310 MONTGOMERY VILLAGE AVE SUITE 230 GAITHERSBURG, MD 20879 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $6K | 4.64% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES | 6 N PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.00% |
| FINANCIAL BALANCE GROUP LLC5 | 1901 RESEARCH BLVD SUITE 400 ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
| LYCEUM INSURANCE SERVICES LLC3 | 18310 MONTGOMERY VILLAGE AVE SUITE 230 GAITHERSBURG, MD 20879 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 8.24% |
| LYCEUM INSURANCE SERVICES LLC3 Filed as: LYCEUM INSURANCE SERVICES, LLC | 18310 MONTGOMERY VILLAGE AVE STE 230 GAITHERSBURG, MD 20879 | UNUM INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 19.44% |
| LYCEUM INSURANCE SERVICES LLC3 Filed as: LYCEUM INSURANCE SERVICES, LLC | 18310 MONTGOMERY VILLAGE AVE SUITE 230 GAITHERSBURG, MD 20879 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 14.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATOR | Other fees Service code 99 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $92K |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 167 | $1.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $131K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 167 | $1.2M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $145K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $123K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $123K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 149 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.