| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAURA ALGREN | 17960 GULF BLVD UNIT 114 REDINGTN SHOR, FL 33708 | UNITED HEALTHCARE | — | — | $0 | 0.00% |
| LAURA ALGREN | 17960 GULF BLVD UNIT 114 REDINGTN SHOR, FL 33708 | CIGNA | — | — | $0 | 0.00% |
| LAURA ALGREN | 17960 GULF BLVD UNIT 114 REDINGTN SHOR, FL 33708 | HUMANA | — | — | $0 | 0.00% |
| LAURA ALGREN | 17960 GULF BLVD UNIT 114 REDINGTN SHOR, FL 33708 | HUMANA | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Contract Administrator; Direct payment from the plan; Float revenue; Claims processing; Non-monetary compensation; Participant communication; Named fiduciary; Other services Service code 12 | — | $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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE | 200 | $1.5M |
| Dental(2 contracts) | HUMANA | 217 | $176K |
| Vision(2 contracts) | HUMANA | 217 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.