| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT MGMT. SOLUTIONS3 | 45 RESEARCH WAY STE 106 EAST SETAUKET, NY 11733 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $70K | $0 | $70K | 4.19% |
| BENEFIT MGMT. SOLUTIONS3 | 45 RESEARCH WAY STE 106 EAST SETAUKET, NY 11733 | CIGNA LIFE INSURANCE CO | $6K | — | $6K | 2.14% |
| BENEFIT MGMT. SOLUTIONS3 | 45 RESEARCH WAY STE 106 EAST SETAUKET, NY 11733 | CIGNA LIFE INSURANCE CO | $11K | — | $11K | 4.67% |
| BENEFIT MGMT. SOLUTIONS3 | 45 RESEARCH WAY STE 106 EAST SETAUKET, NY 11733 | CIGNA LIFE INSURANCE CO | $4K | — | $4K | 4.32% |
| BENEFIT MGMT. SOLUTIONS3 | 45 RESEARCH WAY STE 106 EAST SETAUKET, NY 11733 | CIGNA LIFE INSURANCE CO | $5K | — | $5K | 5.59% |
| BENEFIT MGMT. SOLUTIONS | PO BOX 2828 EAST SETAUKET, NY 11733 | VISION SERVICE PLAN-VSP | $2K | $14K | $16K | 37.15% |
| BENEFIT MGMT. SOLUTIONS3 | 45 RESEARCH WAY STE 106 EAST SETAUKET, NY 11733 | CIGNA LIFE INSURANCE CO | $2K | — | $2K | 11.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMIN. SVCS. AGREEMENT | Float revenue; Named fiduciary; Claims processing; Contract Administrator; Direct payment from the plan; Non-monetary compensation; Other services; Participant communication Service code 12 | A CIGNA COMPANY HARTFORD, CT 06152 | $782K |
| CIGNA BEHAVIORAL HEALTH INC EIN 41-1648670 CONTRACT | Claims processing; Contract Administrator; Participant communication; Direct payment from the plan; Other services; Float revenue Service code 12 | A CIGNA COMPANY HARTFORD, CT 06152 | $4K |
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 | 689 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,171 | $1.7M |
| Vision | VISION SERVICE PLAN-VSP | 320 | $43K |
| Life insurance | CIGNA LIFE INSURANCE CO | 0 | $225K |
| Short-term disability | CIGNA LIFE INSURANCE CO | 0 | $87K |
| Long-term disability | CIGNA LIFE INSURANCE CO | 0 | $86K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,171 | $1.7M |
| Other(2 contracts) | CIGNA LIFE INSURANCE CO | 0 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,171 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.