| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | CIGNA | $20K | $0 | $20K | 3.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 741259 LOS ANGELES, CA 90074 | CIGNA | $0 | $4K | $4K | 0.76% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA | $0 | $19 | $19 | 0.00% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.25% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | CIGNA | $6K | $0 | $6K | 9.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLANNAN AGENCY LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA | $0 | $868 | $868 | 1.45% |
| LIAZON BENEFITS INC3 Filed as: LIASON BENEFTS INC | 199 SCOTT STREET 8TH FLOOR BUFFALO, NE 14204 | CIGNA | $0 | $19 | $19 | 0.03% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GROUP | 5285 E WILLIAMS CIRCLE STE 4500 TUCSON, AZ 85711 | CIGNA | $281 | $0 | $281 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Claims processing; Contract Administrator Service code 12 | 140 E. 45TH ST NEW YORK, NY 10017 | $20K |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 95 | $496K |
| Dental(2 contracts) | CIGNA | 111 | $63K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 82 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 119 | $83K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 119 | $83K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 119 | $83K |
| Prescription drug | CIGNA | 95 | $496K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 119 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
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.