| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $6K | $13K | 28.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JAS D COLLIER AND CO | Insurance agents and brokers; Other commissions Service code 22 | 606 SOUTH MENDENHALL RD STE 200 MEMPHIS, TN 38117 | $66K |
| CONSOCIATE GROUP | Other fees Service code 99 | P.O. BOX 1068 DECATUR, IL 62525 | $41K |
| CIGNA | Other fees Service code 99 | 150 SOUTH STREET 2300 MINNEAPOLIS, MN 55402 | $33K |
| REYNOLDS BONE & GRIESBECK PLC EIN 62-0428728 AUDITOR | Accounting (including auditing) Service code 10 | 5100 WHEELIS DR, STE 300 MEMPHIS, TN 38117 | $19K |
| MEDWATCH PATHWAYS UR | Other fees Service code 99 | — | $11K |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $44K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 187 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.