| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBB BENEFITS GROUP LLC3 Filed as: COBB BENEFITS GROUP, LLC | 5530 TAMARON COURT DALLAS, TX 752877431 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $65K | — | $65K | 12.81% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 1787 SENTRY PARKWAY, VEVA 16 SUITE 320 BLUEBELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $29K | $29K | 5.81% |
| COBB BENEFITS GROUP LLC3 | 5530 TAMARON COURT DALLAS, TX 752877431 | PRINCIPAL LIFE INSURANCE CO. | $31K | $5K | $36K | 13.73% |
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 | 333 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $504K |
| Dental | PRINCIPAL LIFE INSURANCE CO. | 333 | $259K |
| Vision | PRINCIPAL LIFE INSURANCE CO. | 333 | $259K |
| Life insurance | PRINCIPAL LIFE INSURANCE CO. | 333 | $259K |
| Short-term disability | PRINCIPAL LIFE INSURANCE CO. | 333 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.