Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: Columbia Group LLC Health | Health | Pro |
Broker: The Columbia Group LifeSTDLTD | LifeSTDLTD | Pro |
Broker: Columbia Group, LLC DentalSTD | DentalSTD | Pro |
Broker: Columbia Group LLC Vision | Vision | Pro |
See premium, retention and renewal dates for 5 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Cigna Health and Life Insurance Company | Pro |
Carrier: United of Omaha Life Insurance Company | Pro |
Carrier: United of Omaha Life Insurance Company | Pro |
Carrier: United of Omaha Life Insurance Company | Pro |
Carrier: Guardian | Pro |
Carrier: Guardian | Pro |
Carrier: Eyemed Vision Care on Behalf of the Fidelity Security Life Insurance C | Pro |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER / PARTY | Claims processing; Contract Administrator Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $37K |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 208 | $749K |
| Dental | GUARDIAN | 144 | $107K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 148 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $166K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 255 | $273K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.