| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POMEROY & ASSOCIATES LLC3 | 3134 N 7TH ST PHOENIX, AZ 85014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $68 | $0 | $68 | 0.01% |
| POMEROY & ASSOCIATES LLC3 | 3134 N 7TH ST PHOENIX, AZ 85014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 20.00% |
| POMEROY & ASSOCIATES LLC3 | 3134 N 7TH ST PHOENIX, AZ 85014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 20.00% |
| POMEROY & ASSOCIATES LLC3 | 3134 N 7TH ST PHOENIX, AZ 85014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 20.00% |
| POMEROY & ASSOCIATES LLC3 | 3134 N 7TH ST PHOENIX, AZ 85014 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 20.00% |
| POMEROY & ASSOCIATES LLC3 | 3134 N 7TH ST PHOENIX, AZ 85014 | VISION SERVICE PLAN | $4K | — | $4K | 9.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATION | Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Other services; Contract Administrator; Participant communication; Non-monetary compensation Service code 12 | — | $353K |
| CIGNA | Participant communication; Named fiduciary; Claims processing; Float revenue; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Other services Service code 12 | — | $0 |
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 | 722 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 722 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 722 | $623K |
| Vision | VISION SERVICE PLAN | 263 | $37K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 696 | $50K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 520 | $67K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 722 | $623K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 696 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 722 | — |
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. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.