| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 19 21 CONSULTANTS CO., LLC3 Filed as: 1921 CONSULTANTS COMPANY, LLC | 568 SOUTH BUSINESS IH, SUITE 35 NEW BRAUNFELS, TX 78130 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 5.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 4.53% |
| 19 21 CONSULTANTS CO., LLC3 Filed as: 1921 CONSULTANTS COMPANY, LLC | 568 SOUTH BUSINESS IH 35 NEW BRAUNFELS, TX 78130 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.98% |
| 19 21 CONSULTANTS CO., LLC3 Filed as: 1921 CONSULTANTS COMPANY, LLC | 251 WEST SAN ANTONIO STREET NEW BRAUNFELS, TX 78130 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 12.46% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | -$16 | $284 | $268 | 1.74% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $0 | -$5 | -$5 | -0.03% |
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 | 140 | 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. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 99 | $85K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 99 | $85K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 140 | $15K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 29 | $40K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 29 | $40K |
| Other | HARTFORD LIFE AND ACCIDENT | 140 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.