| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN SCHECKNER3 | 1615 SOUTH CONGRESS AVE SUITE 103 DELRAY BEACH, FL 33445 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $80K | $92K | 4.64% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $44K | $44K | 2.22% |
| ARIES CAPITAL MANAGEMENT3 | 1615 SOUTH CONGRESS AVE, SUITE 103 DELRAY BEACH, FL 33445 | NEW YORK LIFE GROUP BENEFITS SOOLUTIONS | $3K | — | $3K | 10.00% |
| BENEFITMALL3 | 6750 N ANDREWS AVE, STE 125 FORT LAUREDALE, FL 33309 | NEW YORK LIFE GROUP BENEFITS SOOLUTIONS | — | $2K | $2K | 5.00% |
| ARIES CAPITAL MANAGEMENT3 | 1615 SOUTH CONGRESS AVE SUITE 103 DELRAY BEACH, FL 33445 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $728 | — | $728 | 10.00% |
| BENEFITMALL3 | 2202 NORTH WEST SHORE BLV STE200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $335 | $335 | 4.60% |
| ARIES CAPITAL MANAGEMENT3 | 1615 SOUTH CONGRESS AVE SUITE 103 DELRAY BEACH, FL 33445 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $76 | — | $76 | 10.03% |
| BENEFITMALL3 | 2202 NORTH WEST SHORE BLV STE200 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $33 | $33 | 4.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATION FEES | Plan Administrator Service code 14 | — | $73K |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $2.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $2.0M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 162 | $8K |
| Short-term disability | NEW YORK LIFE GROUP BENEFITS SOOLUTIONS | 157 | $34K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFITS SOOLUTIONS | 162 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.