| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CU FINANCIAL GROUP LLC3 | 1095 W LEAGUE CITY PKWY LEAGUE CITY, TX 77573 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 14.83% |
| CU FINANCIAL GROUP LLC Filed as: CU FINANCIAL GROUP | PO BOX 9004 LEAGUE CITY, TX 77574 | VISION SERVICE PLAN | — | $1K | $1K | 5.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Participant communication; Other services; Contract Administrator; Named fiduciary Service code 12 | — | $44K |
| CIGNA HEALTH & LIFE INSURANCE COMPA | Named fiduciary; Participant communication; Other services; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Float revenue; Claims processing Service code 12 | — | $130 |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $253K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $253K |
| Vision | VISION SERVICE PLAN | 120 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $85K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $85K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $85K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 404 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.