| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA Filed as: CIGNA HEALTH AND LIFE INSURANCE CO. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | $0 | $9K | $9K | 0.54% |
| AMERICAN SPECIALTY HEALTH | 10221 WATERIDGE CIRCLE 201 SAN DIEGO, CA 92121 | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | — | $62 | $62 | 0.00% |
| WELLS FARGO INSURANCE SERVICES7 | PO BOX 823237 PENNSYLVANIA LOCKBOX PHILADELPHIA, PA 19182 | CIGNA LIFE INSURANCE CO OF NY | $0 | $5K | $5K | 1.96% |
| WELLS FARGO INSURANCE SERVICES7 | PO BOX 823237 PENNSYLVANIA LOCKBOX PHILADELPHIA, PA 19182 | CIGNA LIFE INSURANCE CO OF NY | $0 | $2K | $2K | 1.72% |
| WELLS FARGO INSURANCE SERVICES7 | PO BOX 823237 PENNSYLVANIA LOCKBOX PHILADELPHIA, PA 19182 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $1K | $1K | 1.91% |
| WELLS FARGO INSURANCE SERVICES7 | PO BOX 823237 PENNSYLVANIA LOCKBOX PHILADELPHIA, PA 18182 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $689 | $689 | 1.68% |
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 | 885 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 890 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | 1,539 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | 1,539 | $1.8M |
| Vision | DAVIS VISION EYECARE REFRAMED | 598 | $49K |
| Life insurance | CIGNA LIFE INSURANCE CO OF NY | 885 | $244K |
| Short-term disability | CIGNA LIFE INSURANCE CO OF NY | 416 | $98K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 885 | $75K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | 1,539 | $1.8M |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO OF NY | 885 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,539 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.