| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NETWORK ADMIN INS AGCY INC Filed as: NETWORK ADMINISTRATORS | 888 VETERANS MEMORIAL HWY SUITE 540 HAUPPAUGE, NY 11788 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $1.9M | — | $1.9M | 65.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATION | Claims processing; Direct payment from the plan; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator; Participant communication; Non-monetary compensation; Recordkeeping fees Service code 12 | 111 S CALVERT ST SUITE 1600 BALTIMORE, MD 21202 | $5.4M |
| GOVERNMENT SERVICE ADMINISTRATORS EIN 11-3335620 ADMIN SUPPORT SERVICES | Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Other fees; Plan Administrator; Other services; Direct payment from the plan Service code 14 | 4114 LEGATO ROAD SUITE 400 FAIRFAX, VA 22033 | $2.6M |
| FLEXFACTS EIN 27-2036736 BENEFITS ADMINISTRATION | Recordkeeping fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Participant communication; Claims processing Service code 12 | 200 RIVER AVE LAKEWOOD, NJ 08701 | $319K |
| MATRIX ABSENCE MANAGEMENT, INC EIN 77-0493584 CLAIMS ADMINISTRATION | Contract Administrator; Participant communication; Recordkeeping and information management (computing, tabulating, data processing, etc.); Recordkeeping fees; Claims processing; Direct payment from the plan Service code 12 | 9200 GROVETON CIR OWING MILLS, MD 21117 | $269K |
| CAREOPERATIVE, LLC EIN 46-4399706 BENEFIT PRICING ANALYSIS | Direct payment from the plan; Participant communication; Other services Service code 38 | 330 FRANKLIN ROAD SUITE 135A-428 BRENTWOOD, TN 37027 | $108K |
| BEACON HEALTH OPTIONS, INC EIN 54-1414194 BENEFITS ADMINISTRATION | Participant communication; Recordkeeping fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 12 | 12369 SUNRISE VALLEY DR STE C RESTON, VA 20191 | $79K |
| MDLIVE, INC EIN 45-4937055 ONLINE VIRTUAL SERVICE | Direct payment from the plan; Other services Service code 49 | 13630 NW 8TH STREET STE 205 SUNRISE, FL 33325 | $56K |
| ID WATCH DOG IDENTITY MONITORING | Other services Service code 49 | 621 17TH STREET STE 2501 DENVER, CO 80293 | $54K |
| AMERICAN MAIL & INSERT EIN 20-1210989 PRINTING & REPRODUCTION | Copying and duplicating; Direct payment from the plan; Other services; Participant communication; Other fees Service code 36 | 7104 CROSSROADS BLVD SUITE 108 BRENTWOOD, TN 37027 | $47K |
| KPMG, LLP EIN 13-5565207 AUDIT SERVICES | Accounting (including auditing); Direct payment from the plan Service code 10 | 8350 BROAD ST SUITE 900 MCLEAN, VA 22102 | $40K |
| CROWE HORWATH, LLP EIN 35-0921680 ACCOUNTING SERVICES | Consulting (general); Direct payment from the plan; Accounting (including auditing) Service code 10 | 1455 PENNSYLVANIA AVE NW WASHINGTON, DC 20004 | $17K |
| CERINI & ASSOCIATES, LLP EIN 11-3066459 CONSULTANT/ACTUARIAL | Accounting (including auditing); Actuarial; Consulting (general) Service code 10 | 3340 VETERANS MEMORIAL HWY BOHEMIA, NY 11716 | $13K |
| WATKINS LIGHOGRAPHIC, INC EIN 43-1452539 PRINTING & REPRODUCTION | Copying and duplicating; Participant communication; Other services; Other fees; Direct payment from the plan Service code 36 | 133 W 10TH AVENUE NORTH KANSAS CITY, MO 64116 | $12K |
| ERNST & YOUNG, LLP EIN 34-6565596 TAX SERVICES | Consulting (general); Direct payment from the plan Service code 16 | 1775 TYSONS BLVD MCLEAN, VA 22102 | $10K |
| SCHWABE, WILLIAMSON & WYATT, PC EIN 93-1130272 LEGAL SERVICES | Legal; Direct payment from the plan Service code 29 | 1211 SW 5TH AVE STE 1900 PORTLAND, OR 97204 | $5K |
| CIGNA HEALTH & LIFE INSURANCE CO 59 | Other services; Named fiduciary; Float revenue; Claims processing; Participant communication; Contract Administrator; Direct payment from the plan; Non-monetary compensation Service code 12 | — | $0 |
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 | 10,242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,339 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 4,756 | $432K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $666K |
| Short-term disability | MATRIX ABSENCE MANAGEMENT, INC | 0 | $2.5M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,453 | $383K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH & LIFE INSURANCE COMPANY | 9,883 | $2.9M |
| Other(8 contracts, 7 carriers) | MATRIX ABSENCE MANAGEMENT, INC | 8,318 | $6.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,883 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.