| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 6.76% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMOORE ROAD HOUSTON, TX 77043 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | — | $19K | 5.16% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | ACE USA GROUP | $7K | — | $7K | 10.21% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMOORE RD HOUSTON, TX 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.72% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 HOUSTON, TX 77054 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.28% |
| BENEFIT CONCEPTS INC3 Filed as: BENEFIT CONCEPTS, INC. | 1173 BRITTMOORE RD HOUSTON, TX 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $833 | — | $833 | 8.63% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 HOUSTON, TX 77054 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $614 | — | $614 | 6.36% |
| INVESTORS MUTUAL AGENCY INC3 | PO BOX 3194 BELLAIRE, TX 77402 | ACE USA GROUP | $881 | — | $881 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO. EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator; Other services; Direct payment from the plan; Participant communication; Float revenue; Non-monetary compensation; Claims processing; Named fiduciary Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $74K |
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 | 105 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 90 | $362K |
| Dental | ACE USA GROUP | 81 | $70K |
| Vision | ACE USA GROUP | 69 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $10K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $21K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.