| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | P.O. BOX 741259 LOS ANGELES, CA 90074 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $32K | $0 | $32K | 5.00% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCHE INC | P.O. BOX 32702 TUCSON, AZ 857512702 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 14.51% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 741259 LOS ANGELES, CA 90074 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.89% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.95% |
| LOVITT AND TOUCHE, INC.3 Filed as: LOVITT & TOUCH INC | 1050 W WASHINGTON STREET STE 233 TEMPE, AZ 85281 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator; Claims processing Service code 12 | 140 E 45TH ST NEW YORK, NY 10017 | $36K |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 114 | $646K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 131 | $74K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 123 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $87K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $87K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $87K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY | 114 | $646K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.