| 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 | $6K | 3.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. CO. EIN 59-1031071 NONE | Direct payment from the plan; Claims processing; Other services; Contract Administrator; Non-monetary compensation; Named fiduciary; Float revenue; Participant communication Service code 12 | — | $2.0M |
| EMPLOYEE 1 EIN 84-0456274 NONE | Employee (plan) Service code 30 | — | $168K |
| SEGAL CONSULTING EIN 94-1503999 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $121K |
| SPENCER FANE LLP EIN 44-0561981 NONE | Legal; Direct payment from the plan Service code 29 | — | $103K |
| EMPLOYEE 3 EIN 84-0456274 NONE | Employee (plan) Service code 30 | — | $61K |
| WELFARE & PENSION ADMIN SERVICES EIN 91-1363171 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $59K |
| EMPLOYEE 2 EIN 84-0456274 NONE | Employee (plan) Service code 30 | — | $58K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $34K |
| RICHMOND CAPITAL MANAGEMENT, INC EIN 54-1288566 NONE | Direct payment from the plan; Investment management Service code 28 | — | $34K |
| WEX HEALTH INC. NONE | Claims processing; Direct payment from the plan Service code 12 | 700 26TH AVENUE E WEST FARGO, ND 58078 | $26K |
| INNOVEST PORTFOLIO SOLUTIONS LLC EIN 84-1612955 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $21K |
| SEGAL BRYANT & HAMILL EIN 41-1788385 NONE | Legal; Direct payment from the plan Service code 29 | — | $17K |
| WELLS FARGO BANK EIN 94-1347393 NONE | Trustee (bank, trust company, or similar financial institution); Other fees Service code 21 | — | $12K |
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 | 2,409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 28 | $243 |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,560 | $513K |
| Vision | VISION SERVICE PLAN | 2,232 | $180K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,433 | $206K |
| Other | CIGNA DENTAL HEALTH OF COLORADO, INC. | 1,809 | $613K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,560 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.