| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 | P.O. BOX 101811 PASADENA, CA 91189 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 9.92% |
| INTEGRO INSURANCE BROKERS3 | P.O. BOX 10809 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $164 | $3K | 10.52% |
| INTEGRO INSURANCE BROKERS3 | P.O. BOX 101809 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $91 | $2K | 10.44% |
| INTEGRO INSURANCE BROKERS3 | P.O. BOX 101809 PASADENA, CA 91189 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $428 | $23 | $451 | 10.54% |
No Schedule C service providers reported on this filing.
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $78K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $78K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $32K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 45 | $21K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.