| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC. | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 3.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85206 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | — | $30K | 2.10% |
| ANGELONE & ASSOCIATES, INC.3 Filed as: ANGELONE AND ASSOCIATES INC. | 14300 N NORTHSIGHT BLVD # 221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 0.53% |
| ANGELONE & ASSOCIATES, INC.3 Filed as: ANGELONE & ASSOCIATES | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $823 | $823 | 0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE LLC | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $823 | — | $823 | 0.06% |
| LYNN A HOOKER3 | 8039 W VIA MONTOYA PEORIA, AZ 85383 | SENTRY LIFE INSURANCE COMPANY | $763 | — | $763 | 1.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 ADMINISTRATIVE SERVICES | Direct payment from the plan; Contract Administrator; Other services; Non-monetary compensation; Claims processing; Participant communication; Float revenue; Named fiduciary Service code 12 | — | $258K |
| CIGNA | Float revenue; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Other services; Named fiduciary; Participant communication; Claims processing 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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 299 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 299 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 299 | $1.4M |
| Life insurance(2 contracts) | SENTRY LIFE INSURANCE COMPANY | 201 | $52K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 299 | $1.4M |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 299 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.