| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | PO BOX 29675 LOCKBOX 2027 PHOENIX, AZ 85038 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 4.52% |
| AY BENEFITS LLC3 | 7500 OLD GEORGETOWN ROAD 1225 BETHESDA, MD 208146808 | VISION SERVICE PLAN | $7K | — | $7K | 6.91% |
| AY BENEFITS LLC3 | 7500 OLD GEORGETOWN ROAD 1225 BETHESDA, MD 208146808 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $20 | — | $20 | 3.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 THIRD PARTY ADMINISTRATOR | Other services; Named fiduciary; Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Non-monetary compensation; Claims processing Service code 12 | 900 COTTAGE GROVE ROAD HARTFORD, CT 06152 | $866K |
| VISION SERVICE PLAN EIN 23-7089668 THIRD PARTY ADMINISTRATOR | Insurance agents and brokers Service code 22 | PO BOX 997100 SACRAMENTO, CA 958997100 | $21K |
| SUN LIFE ASSURANCE CO OF CANADA EIN 38-1082080 INSURANCE BROKER/AGENT | Insurance agents and brokers Service code 22 | ONE SUN LIFE EXECUTIVE PARK WELLESLEY HILLS, MA 024815699 | $19K |
| HOMES, LOWRY, HORN AND JOHNSON EIN 54-0975470 AUDITOR | Accounting (including auditing) Service code 10 | 3998 FAIR RIDGE DRIVE FAIRFAX, VA 22033 | $18K |
| AY BENEFITS, LLC INSURANCE BROKER/AGENT | Insurance agents and brokers Service code 22 | 7500 OLD GEORGETOWN ROAD 1225 BETHESDA, MD 20814 | $0 |
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 | 990 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 990 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 0 | $540 |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 0 | $540 |
| Vision | VISION SERVICE PLAN | 875 | $107K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 0 | $540 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 990 | $418K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 990 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.