No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIM ADMIN ISTRATION | Other services; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Participant communication; Contract Administrator Service code 12 | — | $2.7M |
| WILLIS TOWERS WATSON INSURANCE BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 200 LIBERTY STREET FLOOR 6 NEW YORK, NY 10281 | $221K |
| CIGNA BEHAVAIORAL HEALTH, INC. EIN 41-1648670 CLAIM ADMINISTRATION | Claims processing; Direct payment from the plan Service code 12 | — | $84K |
| DISCOVERY BENEFITS CONTRACT ADMINISTRATION | Direct payment from the plan; Contract Administrator Service code 13 | 4321 20TH AVENUE FARGO, ND 58103 | $52K |
| VISION SERVICE PLAN EIN 06-1227840 CONTRACT ADMINISTRATION | Contract Administrator; Direct payment from the plan Service code 13 | — | $42K |
| CVS PHARMACY, INC. EIN 05-0340626 CLAIM ADMINISTRATION | Direct payment from the plan; Claims processing Service code 12 | — | $26K |
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 | 3,912 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 3,967 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,967 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.