| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPANIES | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 0.59% |
| RISK STRATEGIES COMPANY3 Filed as: RISK STRATEGIES COMPANIES | 3696 N. FEDERAL HIGHWAY STE 202 FORT LAUDERDALE, FL 33308 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 9.90% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 3696 N FEDERAL HIGHWAY FORT LAUDERDALE, FL 33308 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | — | $10K | 18.05% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.04% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $6K | $6K | 10.72% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DR NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE COMPANY | — | $4K | $4K | 6.57% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 AMS - LEGACY DIRECT BILL RECEIPT LO CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY5 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $698 | $698 | 1.26% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 736061 AMS- LEGACY DIRECT BILL RECEIPT CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY5 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $664 | $664 | 1.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | PO BOX 736061 AMS-LEGACY DIRECT BILL RECEIPT CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| INTEGRATED ENROLLMENT & TECHNOLOGY5 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 3696 N FEDERAL HWY STE 202 FORT LAUDERDALE, FL 33308 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $320 | $320 | 1.21% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 17.80% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 2630 W BROWARD BLVD #203-675 FORT LAUDERDALE, FL 33312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 5.93% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 16.54% |
| INTEGRATED ENROLLMENT & TECHNOLOGY3 | 2630 W BROWARD BLVD # 203-675 FORT LAUDERDALE, FL 33312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $465 | — | $465 | 5.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 INSURANCE CARRIER | Contract Administrator; Other services; Participant communication; Direct payment from the plan; Float revenue; Non-monetary compensation; Named fiduciary; Claims processing Service code 12 | — | $29K |
| CIGNA | Other services; Named fiduciary; Direct payment from the plan; Claims processing; Contract Administrator; Participant communication; Float revenue; Non-monetary compensation 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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $736K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $132K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $132K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $75K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $55K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.