| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE BENEFITS SERVICES INC3 | 8554 KATY FWY,. SUITE 100 HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | $9K | $55K | 15.01% |
| CORE BENEFITS SERVICES INC3 | 8554 KATY FWY,. SUITE 100 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 9.87% |
| CORE BENEFITS SERVICES INC3 | 8554 KATY FWY,. SUITE 100 HOUSTON, TX 77024 | CIGNA GROUP INSURANCE | $4K | $743 | $5K | 17.82% |
| CORE BENEFITS SERVICES INC3 | 8554 KATY FWY,. SUITE 100 HOUSTON, TX 77024 | CIGNA GROUP INSURANCE | $3K | $417 | $3K | 17.37% |
| CORE BENEFITS SERVICES INC | 8554 KATY FWY,. SUITE 100 HOUSTON, TX 77024 | CIGNA GROUP INSURANCE | $2K | $275 | $2K | 17.71% |
| CORE BENEFITS SERVICES INC3 | 8554 KATY FWY,. SUITE 100 HOUSTON, TX 77024 | CIGNA GROUP INSURANCE | $475 | $84 | $559 | 17.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 SERVICE PROVIDER | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $5K |
| CIGNA HEALTH & LIFE INSURANCE CO | Float revenue; Claims processing; Participant communication; Other services; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Contract Administrator 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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $364K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $53K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $53K |
| Life insurance(2 contracts) | CIGNA GROUP INSURANCE | 156 | $29K |
| Short-term disability | CIGNA GROUP INSURANCE | 102 | $18K |
| Long-term disability | CIGNA GROUP INSURANCE | 156 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.