| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOYCE M PURSELLEY3 Filed as: JOYCE M. PURSELLY | 4644 E FM 1187 BURLESON, TX 76028 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $74K | $74K | 4.50% |
| JOYCE M PURSELLEY3 Filed as: JOYCE PURSELLEY | 4644 E FM 1187 BURLESON, TX 76028 | UNION SECURITY INSURANCE COMPANY | — | — | $0 | 0.00% |
| JOYCE M PURSELLEY3 Filed as: JOYCE PURSELLEY | 4644 E FM HWY 1187 BURLESON, TX 76028 | VISION SERVICE PLAN | $927 | — | $927 | 6.39% |
| JOYCE M PURSELLEY3 | 4644 E FM 1187 BURLESON, TX 76028 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator; Float revenue; Direct payment from the plan; Non-monetary compensation; Other services; Named fiduciary; Claims processing; Participant communication Service code 12 | — | $74K |
| CIGNA HEALTH & LIFE INSURANCE CO | Other services; Float revenue; Participant communication; Claims processing; Named fiduciary; Non-monetary compensation; Contract Administrator; Direct payment from the plan Service code 12 | — | $0 |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $1.7M |
| Dental | UNION SECURITY INSURANCE COMPANY | 134 | $122K |
| Vision | VISION SERVICE PLAN | 102 | $15K |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 164 | $131K |
| Other(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 164 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.