| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD E KIRKLAND3 Filed as: RONALD L BAKER | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | $5K | $56K | 12.55% |
| BARGER GROUP LLC3 | 106 FARRELL AVE SUITE 6 KINGSPORT, TN 37663 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CARRIER | Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $7K |
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 | 85 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 79 | $443K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 79 | $443K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 79 | $443K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 85 | $96K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 85 | $96K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 85 | $96K |
| Other | HARTFORD LIFE AND ACCIDENT | 85 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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.