| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: INSURANCE GROUP OF AMERICA | 6640 CAROTHERS PARKWAY, SUITE 160 FRANKLIN, TN 37067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | — | $67K | 6.00% |
| IGAEB, LLC3 | 6640 CAROTHERS PARKWAY, SUITE 160 FRANKLIN, TN 37067 | GUARDIAN | $13K | — | $13K | 9.51% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN | $9K | — | $9K | 6.21% |
| HP PLANNING LLC3 | 30 COOK PLAZA MADISON, NJ 07940 | GUARDIAN | $1K | — | $1K | 0.86% |
| INSGROUP INC3 Filed as: INSURANCE GROUP OF AMERICA | 6640 CAROTHERS PARKWAY, SUITE 160 FRANKLIN, TN 37067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 9.05% |
| HP PLANNING LLC3 | 535 CONNECTICUT AVENUE STE 502 NORWALK, CT 06854 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $474 | — | $474 | 0.80% |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 104 | $59K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 104 | $59K |
| Life insurance | GUARDIAN | 177 | $139K |
| Short-term disability | GUARDIAN | 177 | $139K |
| Long-term disability | GUARDIAN | 177 | $139K |
| Other | GUARDIAN | 177 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.