| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 5682 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $171K | $22K | $194K | 16.89% |
| INTERGRO USA INC.3 Filed as: INTERGRO USA INC | PO BOX 5682 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $94K | $19K | $113K | 12.03% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 5682 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57K | $7K | $63K | 11.18% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 5682 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $4K | $31K | 16.98% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | PO BOX 5682 CAROL STREAM, IL 60197 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $198 | $198 | 1.77% |
No Schedule C service providers reported on this filing.
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 | 11,267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,020 | $8K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 12,277 | $4.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 12,277 | $4.3M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,050 | $1.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,561 | $940K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,592 | $566K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,050 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,277 | — |
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.