| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST BENEFITS | 4205 HILLSBORO ROAD SUITE 120 NASHVILLE, TN 37215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.06% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST AND ASSOCIATES INC | 4205 HILLSBORO ROAD SUITE 120 NASHVILLE, TN 37215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | — | $21K | 9.91% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST BENEFITS | 4205 HILLSBORO ROAD SUITE 120 NASHVILLE, TN 37215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 10.00% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST BENEFITS | 4205 HILLSBORO ROAD SUITE 120 NASHVILLE, TN 37215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 10.00% |
| PANCOAST & ASSOCIATES INC3 Filed as: PANCOAST BENEFITS | 4205 HILLSBORO ROAD SUITE 120 NASHVILLE, TN 37215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $840 | — | $840 | 10.00% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 221 | $4.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 229 | $213K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 221 | $4.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $104K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 235 | $94K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 266 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.