| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA3 Filed as: CIGNA VISIONCARE INC. | PO BOX 453099 SUNRISE, FL 333453099 | VISION SERVICE PLAN | — | $3K | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 NONE | Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Other services; Non-monetary compensation; Contract Administrator; Participant communication Service code 12 | — | $1.5M |
| SPENCER FANE LLP EIN 44-0561981 NONE | Legal; Direct payment from the plan Service code 29 | — | $211K |
| ZENITH AMERICAN SOLUTIONS, INC. EIN 52-1590516 NONE | Plan Administrator; Direct payment from the plan Service code 14 | — | $150K |
| WELFARE & PENSION ADMIN SVCS, INC. NONE | Plan Administrator; Direct payment from the plan Service code 14 | 7525 SE 24TH ST., STE 200 MERCER ISLAND, WA 98040 | $90K |
| SEGAL CONSULTING EIN 94-1503999 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $78K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 NONE | Claims processing; Direct payment from the plan; Contract Administrator; Participant communication Service code 12 | — | $71K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Investment advisory (plan); Trustee (bank, trust company, or similar financial institution); Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Participant communication; Participant loan processing Service code 15 | — | $54K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $35K |
| INNOVEST EIN 84-1612955 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $17K |
| CONCERO GROUP NONE | Other services; Direct payment from the plan Service code 49 | 14755 N. OUTER 40 RD #215 CHESTERFIELD, MO 63017 | $7K |
| CORELLIAN SOFTWARE INC. NONE | Direct payment from the plan; Other services Service code 49 | 4440 SW CORBETT AVE., STE 204 PORTLAND, OR 97239 | $5K |
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 | 2,264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 69 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 28 | $271 |
| Vision | VISION SERVICE PLAN | 2,314 | $0 |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,282 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,314 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.