| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CU FINANCIAL GROUP LLC3 | 1095 W LEAGUE CITY PKWY LEAGUE CITY, TX 775736440 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.09% |
| CU FINANCIAL GROUP LLC | PO BOX 9004 LEAGUE CITY, TX 775749004 | VISION SERVICE PLAN | — | $1K | $1K | 5.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 | Contract Administrator; Other services; Named fiduciary; Float revenue; Claims processing; Direct payment from the plan; Non-monetary compensation; Participant communication Service code 12 | — | $33K |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $270K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $270K |
| Vision | VISION SERVICE PLAN | 130 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $70K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $70K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $70K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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."
No prospect flags tripped on this filing.