| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC DBA | 227 W. MONROE STREET SUITE 5200 CHICAGO, IL 60606 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.50% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $218 | $218 | 0.05% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES INC. | 306 W. ERIE ST. STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $461 | — | $461 | 0.50% |
| CAPTECH VENTURES, INC.3 | 7100 FOREST AVENUE SUITE 100 RICHMOND, VA 23226 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 2.94% |
| CAPTECH VENTURES, INC.3 | 7100 FOREST AVENUE SUITE 100 RICHMOND, VA 23226 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 4.95% |
| CAPTECH VENTURES, INC.3 | 7100 FOREST AVENUE SUITE 100 RICHMOND, VA 23226 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 5.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 MEDICAL FEES | Non-monetary compensation; Claims processing; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary Service code 12 | — | $452K |
| PRUDENTIAL INSURANCE CO OF AMERICA EIN 22-1211670 3RD PARTY ADMIN | Contract Administrator Service code 13 | — | $39K |
| WEX, INC. 3RD PARTY ADMIN | Contract Administrator Service code 13 | 700 26TH AVE E WEST FARGO, ND 58078 | $13K |
| CIGNA | Participant communication; Float revenue; Other services; Direct payment from the plan; Named fiduciary; Non-monetary compensation; Claims processing; Contract Administrator Service code 12 | — | $0 |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 BENEFIT ADMINISTRATOR | Contract Administrator Service code 13 | — | $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 | 911 | 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) | 911 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 610 | $92K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 911 | $413K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 911 | $413K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 911 | $413K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,615 | $754K |
| Other(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,008 | $531K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,615 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.