| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J. ARTHUR DAIL, INC.3 | 6000 FAIRVIEW RD. SUITE 1180 CHARLOTTE, NC 28210 | CIGNA GROUP INSURANCE | $34K | — | $34K | 2.00% |
| J. ARTHUR DAIL, INC.3 Filed as: J. ARTHUR DAIL, INC | 6000 FAIRVIEW RD SUITE 1180 CHARLOTTE, NC 28210 | CIGNA GROUP INSURANCE | $107K | — | $107K | 6.75% |
| HOLDEN AGENCY3 | 1085 BRIGHTON AVENUE PORTLAND, ME 04102 | AETNA LIFE INSURANCE CO. | $28K | — | $28K | 2.54% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 199 WATER STREET 12TH FL NEW YORK, NY 10038 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HOLDEN AGENCY3 Filed as: THE HOLDEN AGENCY | 1085 BRIGHTON AVE PORTLAND, ME 04102 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | — |
| HOLDEN AGENCY3 Filed as: THE HOLDEN AGENCY | PO BOX 10610 PORTLAND, ME 04104 | HARTFORD LIFE INSURANCE COMPANY | $42K | — | $42K | — |
| HOLDEN AGENCY3 Filed as: THE HOLDEN AGENCY | PO BOX 10610 PORTLAND, ME 04104 | HARTFORD LIFE INSURANCE COMPANY | $349K | — | $349K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $7.5M |
| BLUE CROSS BLUE SHIELD OF NC EIN 56-0894904 NONE | Contract Administrator; Claims processing; Direct payment from the plan Service code 12 | — | $4.2M |
| THE VITALITY GROUP, LLC EIN 45-0644624 NONE | Other fees Service code 99 | — | $1.1M |
| QUEST DIAGNOSTICS CLINICAL LABORATO EIN 38-2084239 NONE | Other fees Service code 99 | — | $705K |
| CASTLIGHT HEALTH EIN 26-1989091 NONE | Other fees Service code 99 | — | $536K |
| CIGNA LIFE INS OF NORTH AMERICA EIN 23-1503749 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $526K |
| CATAMARAN PBM OF MARYLAND EIN 88-0361447 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $401K |
| BEST DOCTORS INC EIN 04-2908444 NONE | Other fees Service code 99 | — | $345K |
| HEALTH DATA MANAGEMENT SOLUTIONS EIN 52-2182411 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $278K |
| ADP BENEFIT SERVICES EIN 61-1169763 NONE | Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $255K |
| EYEMED VISION CARE EIN 31-1656473 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $72K |
| ALERE FREE & CLEAR, INC EIN 20-0231080 NONE | Other fees Service code 99 | — | $53K |
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 | 21,815 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 21,886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 30,411 | $1.7M |
| Long-term disability(2 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 8,569 | $2.7M |
| Other(3 contracts, 3 carriers) | FEDERAL INSURANCE COMPANY | 6,238 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,411 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.