| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $84K | $0 | $84K | 8.10% |
| NATIONAL INS MARKETING BROKERS3 Filed as: NATIONAL INS. MARKETING BROKERS LLC | 2650 MCCORMICK DRIVE, SUITE 200S CLEARWATER, FL 33759 | STANDARD INSURANCE COMPANY | $83K | $0 | $83K | 22.26% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 2650 MCCORMICK DRIVE, SUITE 200S CLEARWATER, FL 33759 | STANDARD INSURANCE COMPANY | $0 | $24K | $24K | 6.37% |
| GCG FINANCIAL LLC3 Filed as: WILSON BENEFITS, INC. | 5220 SPRING VALLEY ROAD, SUITE 522 DALLAS, TX 72254 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 1.14% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIP BENEFITS LLC | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66217 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | $0 | $16K | 6.92% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 401 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 386 | $235K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 386 | $235K |
| Life insurance | STANDARD INSURANCE COMPANY | 324 | $373K |
| Short-term disability | STANDARD INSURANCE COMPANY | 324 | $373K |
| Long-term disability | STANDARD INSURANCE COMPANY | 324 | $373K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 401 | $1.0M |
| Other | STANDARD INSURANCE COMPANY | 324 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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."
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.