| 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 | $44K | — | $44K | 12.57% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY, STE 100 HOUSTON, TX 77024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $349 | $6K | 10.48% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY, STE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 12.70% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY, STE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.49% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY, STE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.61% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY, STE 100 HOUSTON, TX 77024 | CIGNA DENTAL HEALTH OF TEXAS IC | $567 | — | $567 | 9.99% |
| CORE BENEFIT SERVICES INC3 Filed as: CORE BENEFIT SERVICES | 8554 KATY FREEWAY, STE 100 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $460 | — | $460 | 12.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE C EIN 59-1031071 | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $32K |
| CIGNA HEALTH AND 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 | — | $12 |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $348K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $64K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $58K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 188 | $40K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.