| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JODY DAN BRYANT3 Filed as: JODY ROXBY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $154K | $0 | $154K | 10.96% |
| JODY DAN BRYANT3 Filed as: JODY ROXBY | 1215 E BUCKNELL AVE INVERNESS, FL 34450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.00% |
| GROUP INSURANCE MANAGEMENT SERVICES3 | PO BOX 2847 INVERNESS, FL 34451 | HUMANA INSURANCE COMPANY | $896 | $0 | $896 | 10.23% |
| JODY DAN BRYANT3 Filed as: JODY ROXBY | 1215 E BUCKNELL AVE INVERNESS, FL 34450 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $385 | $0 | $385 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIMS PROCESSING | Claims processing Service code 12 | — | $41K |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $1.4M |
| Vision | HUMANA INSURANCE COMPANY | 206 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 322 | $51K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 322 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.