| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRAUTER AND COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS -18 FL NEW YORK, NY 10019 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $219K | $13K | $232K | 4.23% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL ROAD-#140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.00% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL ROAD - #140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS NEW YORK, NY 10019 | HEALTHKEEPERS, INC. | $2K | — | $2K | 2.65% |
| FNBC INC3 Filed as: FNBC INC. | 5311 PATTERSON AVENUE RICHMOND, VA 23226 | HEALTHKEEPERS, INC. | $896 | $216 | $1K | 1.53% |
| THE MEDICAL SOCIETY OF VA3 | 2924 EMERYWOOD PARKWAY-SUITE 300 RICHMOND, VA 23294 | HEALTHKEEPERS, INC. | $206 | — | $206 | 0.28% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL ROAD-#140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL ROAD - #140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL ROAD #140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL ROAD #140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL ROAD - #140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $454 | — | $454 | 9.99% |
| KRAUTER & COMPANY, LLC3 | 28240 HARDY TOLL ROAD #140 SPRING, TX 77373 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $287 | — | $287 | 9.99% |
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 | 1,133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,056 | $6.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,056 | $5.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,056 | $5.5M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,133 | $124K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 605 | $129K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,133 | $107K |
| Prescription drug(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,056 | $6.1M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,133 | $5.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,133 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.