| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVOLVE CONSULTING GROUP INC3 Filed as: EVOLVE CONSULTING GROUP, INC | 2138 ESPEY COURT, STE 2 CROFTON, MD 21114 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 4.47% |
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE, STE 4500 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | — | $42K | 4.40% |
| EVOLVE CONSULTING GROUP INC3 Filed as: EVOLVE CONSULTING GROUP, INC | 2138 ESPEY COURT, STE 2 CROFTON, MD 21114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 12.00% |
| EVOLVE CONSULTING GROUP INC3 Filed as: EVOLVE CONSULTING GROUP, INC | 2138 ESPEY COURT, STE 2 CROFTON, MD 21114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.00% |
| EVOLVE CONSULTING GROUP INC3 Filed as: EVOLVE CONSULTING GROUP, INC | 2138 ESPEY COURT, STE 2 CROFTON, MD 21114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.00% |
| EVOLVE CONSULTING GROUP INC3 Filed as: EVOLVE CONSULTING GROUP, INC | 2138 ESPEY COURT, STE 2 CROFTON, MD 21114 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CBIZ EIN 53-0197045 FSA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $6K |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $957K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $957K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 182 | $957K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $67K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $35K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.