| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA3 Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | 150 SOUTH 5TH STREET SUITE 2300 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $196K | $196K | 31.47% |
| FINANCIAL CONCEPTS OF AMERICA, INC.3 | 5253 HILLSDEN DR SALT LAKE CITY, UT 84117 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $86K | — | $86K | 13.88% |
| FINANCIAL CONCEPTS OF AMERICA, INC.3 | PO BOX 17226 SALT LAKE CITY, UT 84117 | HARTFORD LIFE AND ACCIDENT | $23K | — | $23K | 9.77% |
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 | 291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $622K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $622K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 291 | $234K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 291 | $234K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 291 | $234K |
| Other | HARTFORD LIFE AND ACCIDENT | 291 | $234K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.