| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | UNKNOWN VIRGINIA BEACH, VA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $98K | $0 | $98K | 9.11% |
| ALLIANT INSURANCE SERVICES, INC.3 | UNKNOWN LOS ANGELES, CA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $53K | $0 | $53K | 4.90% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43K | $0 | $43K | 6.12% |
| ALLIANT INSURANCE SERVICES, INC.3 | 3424 PEACHTREE ROAD NE, SUITE 1400 ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 2.93% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 0.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 0.32% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE DRIVE NE, SUITE 700 ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | $0 | $28K | 8.36% |
| ALLIANT INSURANCE SERVICES, INC.3 | 18100 VON KARMAN AVENUE, SUITE 1000 IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $0 | $20K | 5.80% |
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 | 456 | 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) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,956 | $1.1M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,568 | $155K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 456 | $699K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 456 | $699K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 456 | $699K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 456 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,956 | — |
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."
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.