No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Other services; Non-monetary compensation; Contract Administrator; Participant communication Service code 12 | 280 TRUMBULL ST. #5 HARTFORD, CT 06103 | $394K |
| NEBA, INC EIN 65-0498809 NONE | Contract Administrator; Direct payment from the plan Service code 13 | 2010 N.W. 150 AVENUE, SUITE 100 PEMBROKE PINES, FL 33028 | $374K |
| PHILLIPS, RICHARD, AND RIND PA EIN 65-0765728 NONE | Legal; Direct payment from the plan Service code 29 | 9360 SW 72 STREET SUITE 283 MIAMI, FL 33173 | $30K |
| DENNIS G. JENKINS, CPA, LLC EIN 20-5886120 NONE | Accounting (including auditing) Service code 10 | 1690 STONE VILLAGE LANE STE 501 KENNESAW, GA 30152 | $13K |
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 | 1,746 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,555 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,555 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.