| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFITS CONSULTANTS INC3 Filed as: CORPORATE BENEFITS CONULTANTS, INC. | 8500 BROOKTREE ROAD SUITE 305 WEXFORD, PA 15090 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $68K | — | $68K | 3.00% |
| CORPORATE BENEFITS CONSULTANTS INC3 Filed as: CORPORATE BENEFITS CONSULTANTS, INC | 8500 BROOKTREE ROAD SUITE 305 WEXFORD, PA 15090 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 0.61% |
| CORPORATE BENEFITS CONSULTANTS INC3 Filed as: CORPORATE BENEFITS CONSUL | 8500 BROOKTREE RD STE 305 WEXFORD, PA 15090 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.50% |
| CORPORATE BENEFITS CONSULTANTS INC3 Filed as: CORPORATE BENEFITS CONSUL | 8500 BROOKTREE RD STE 305 WEXFORD, PA 15090 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.66% |
| CORPORATE BENEFITS CONSULTANTS INC3 Filed as: CORPORATE BENEFITS COUNSUL | 8500 BROOKTREE RD STE 305 WEXFORD, PA 15090 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| CORPORATE BENEFITS CONSULTANTS INC3 Filed as: CORPORATE BENEFITS CONSUL | 8500 BROOKTREE RD STE 305 WEXFORD, PA 15090 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| CORPORATE BENEFITS CONSULTANTS INC3 Filed as: CORPORATE BENEFITS CONSUL | 8500 BROOKTREE RD STE 305 WEXFORD, PA 15090 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $393 | — | $393 | 6.51% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS LLC | 4 WESTBROOK CORP CTR 500 WESTCHESTER, IL 60154 | FEDERAL INSURANCE COMPANY | $460 | — | $460 | 10.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATTELLITE BLVD #200 DULUTH, GA 30096 | FEDERAL INSURANCE COMPANY | $229 | — | $229 | 4.98% |
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 | 308 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 537 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 537 | $2.3M |
| Vision | VISION BENEFITS OF AMERICA | 220 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 308 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $20K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 537 | $2.3M |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 308 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.