| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD 5TH FLOOR CHICAGO, IL 60661 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | $0 | $25K | 13.55% |
| ALLIANT INSURANCE SERVICES, INC.3 | 32 OLD SLIP NEW YORK, NY 10005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $690 | $0 | $690 | 1.84% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD 5TH FLOOR CHICAGO, IL 60661 | DELTA DENTAL OF COLORADO | $2K | $0 | $2K | 7.22% |
| FRANK CRYSTAL & CO INC3 Filed as: FRANK CRYSTAL & CO OF TEXAS INC. | 2000 WEST LOOP SOUTH, SUITE 1800 HOUSTON, TX 77027 | DELTA DENTAL OF COLORADO | $396 | $0 | $396 | 1.24% |
| THOMPSON FLANAGAN BENEFITS GROUP3 | 626 WEST JACKSON BOULEVARD 5TH FLOOR CHICAGO, IL 60661 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO | $469 | $0 | $469 | 8.27% |
| CRYSTAL IBC LLC3 | 32 OLD SLIP ROAD, 17TH FLOOR NEW YORK, NY 10005 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO | -$1 | $0 | -$1 | -0.02% |
No Schedule C service providers reported on this filing.
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $181K |
| Dental | DELTA DENTAL OF COLORADO | 176 | $32K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO | 174 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $37K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $37K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 154 | $181K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.