| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA3 Filed as: CIGNA HEALTH & LIFE INSURANCE CO | — | CIGNA HEALTHCARE | — | $2K | $2K | 0.19% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 15200 OMEGA DR ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.36% |
| ASD INSURANCE AND FINANCIAL SERVICE3 Filed as: ASD INSURANCE AND FINANCIAL | 877 EXECUTIVE CTR DR WEST ST PETERSBURG, FL 33702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.12% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $556 | — | $556 | 2.25% |
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 | 52 | 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) | 52 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTHCARE | 40 | $895K |
| Vision | CIGNA HEALTHCARE | 40 | $895K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $25K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $25K |
| Prescription drug | CIGNA HEALTHCARE | 40 | $895K |
| Other | CLARION ASSOCIATES, INC. | 45 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.