| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY, STE 100 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | $0 | $42K | 12.29% |
| CORE BENEFIT SERVICES INC3 | 8554 KATY FREEWAY, STE 100 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.88% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY, STE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 15.00% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY, STE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $321 | $0 | $321 | 1.50% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY, STE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY, STE 100 HOUSTON, TX 77024 | CIGNA DENTAL HEALTH OF TEXAS | $510 | $0 | $510 | 10.00% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY, STE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $518 | $0 | $518 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 SERVICE PROVIDER | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $37K |
| CIGNA HEALTH AND LIFE INSURANCE CO. | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Float revenue Service code 12 | — | $59 |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $343K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $57K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $52K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $41K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.