| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES HUFSTETLER3 | PO BOX 536246 ORLANDO, FL 328536246 | CIGNA HEALTH AND LIFE INSURANCE | $15K | $72K | $86K | 4.84% |
| JAMES L HUFSTETLER3 | PO BOX 536246 ORLANDO, FL 328536246 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $908 | $5K | 18.04% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - SEE ATTACHED LIST | 1932 WYNNTON ROAD COLUMBUS, GA 32828 | AFLAC | $6K | $257 | $7K | 28.69% |
| JAMES HUFSTETLER3 Filed as: JAMES HUFSTETLER, SR | 501 N MAGNOLIA AVE STE A ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $588 | $4K | 17.68% |
| JAMES HUFSTETLER3 Filed as: JAMES L HUFSTETLER, SR | 501 N MAGNOLIA AVE STE A ORLANDO, FL 32801 | INSURANCE COMPANY OF NORTH AMERICA | $3K | $610 | $4K | 17.82% |
| JAMES HUFSTETLER3 Filed as: JAMES L HUFSTETLER, SR | 501 N MAGNOLIS AVE STE A ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $581 | $114 | $695 | 17.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 HLTH,DTL,VIS PROVIDER | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Other services; Claims processing; 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 | 189 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 184 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE | 184 | $1.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE | 184 | $1.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $30K |
| Short-term disability | INSURANCE COMPANY OF NORTH AMERICA | 93 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $22K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE | 184 | $1.8M |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 203 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.