No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS. COMPANY EIN 59-1031071 ADMIN SERVICES PROVIDER | Named fiduciary; Participant communication; Float revenue; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $3.8M |
| BLUE CROSS & BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMIN SERVICES PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $261K |
| OPTUM RX, INC. EIN 33-0114200 ADMIN SERVICES PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $118K |
| CIGNA | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $0 |
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 | 4,265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 500 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,765 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HAWAII MEDICAL SERVICES ASSOCIATION | 3 | $15K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 10,022 | $625K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,195 | $5.3M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 4,195 | $5.3M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 9,569 | $1.2M |
| Other | HYATT LEGAL PLANS OF FLORIDA | 1,823 | $345K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,022 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.