| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AUGUST BENEFITS INC3 | 769 NEW YORK AVENUE HUNTINGTON, NY 11743 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 5.65% |
| PGP LIFE BROKERAGE INC.3 Filed as: PGP | 225 WIRELESS BLVD, 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $13K | $13K | 2.16% |
| AUGUST BENEFITS INC3 | 769 NEW YORK AVENUE HUNTINGTON, NY 11743 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CA INSURANCE SERVICES, INC | 4175 S. RILEY ST, SUITE 200 LAS VEGAS, NV 89147 | HEALTH PLAN OF NEVADA | $4K | — | $4K | 4.04% |
| AUGUST BENEFITS INC3 Filed as: AUGUST BENEFITS, INC | 769 NEW YORK AVENUE HUNTINGTON, NY 11743 | HEALTH PLAN OF NEVADA | $3K | — | $3K | 2.70% |
| ENROLLEASE3 Filed as: THE KNW GROUP LLC | 4350 BAKER ROAD # 250 MINNETOKA, MN 55343 | MINUTI-OGLE CONTRACTORS LLC | $3K | — | $3K | 2.68% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $770K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $581K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $581K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.