| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA3 Filed as: CIGNA VISIONCARE INC. | PO BOX 453099 SUNRISE, FL 33345 | VISION SERVICE PLAN | — | $3K | $3K | 1.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. CO. EIN 59-1031071 NONE | Claims processing; Other services; Direct payment from the plan; Named fiduciary; Non-monetary compensation; Float revenue; Contract Administrator; Participant communication Service code 12 | — | $1.9M |
| WELFARE & PENSION ADMIN SERVICES EIN 91-1363171 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $237K |
| SEGAL CONSULTING EIN 94-1503999 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $162K |
| SPENCER FANE LLP EIN 44-0561981 NONE | Legal; Direct payment from the plan Service code 29 | — | $132K |
| NEEDLES & ASSOCIATES, LLC EIN 51-0435869 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $83K |
| JOHN FLANAGAN EIN 84-0456274 NONE | Employee (plan) Service code 30 | — | $68K |
| RICHMOND CAPITAL MANAGEMENT NONE | Investment management; Direct payment from the plan Service code 28 | 10800 MIDLOTHIAN TURNPIKE STE 217 RICHMOND, VA 23235 | $26K |
| INNOVEST PORTFOLIO SOLUTIONS LLC EIN 84-1612955 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $26K |
| CORELLIAN SOFTWARE INC. NONE | Other services; Direct payment from the plan Service code 49 | 4440 SW CORBETT AVE STE 204 PORTLAND, OR 97239 | $14K |
| HICKEY AND EVANS EIN 83-0173781 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Trustee (bank, trust company, or similar financial institution); Other fees Service code 21 | — | $9K |
| SEGAL BRYANT & HAMILL EIN 41-1788385 NONE | Direct payment from the plan; Investment management Service code 28 | — | $9K |
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 | 2,463 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 28 | $243 |
| Vision | VISION SERVICE PLAN | 2,367 | $195K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,450 | $532K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,450 | — |
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.