| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 3715 NORTHSIDE PKWY NW STE 1-500 ATLANTA, GA 30327 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $131K | $20K | $151K | 9.82% |
| IRONWOOD BENEFITS ADVISORY SERVICES7 Filed as: IRONWOOD BENEFITS ADVISOR | 3715 NORTHSIDE PKWY NW STE 1-500 ATLANTA, GA 30327 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 3.64% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 3.64% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 3.75% |
| IRONWOOD BENEFITS ADVISORY SERVICES7 Filed as: IRONWOOD BENEFITS ADVISOR | 3715 NORTHSIDE PKWY NW STE 1-500 ATLANTA, GA 30327 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 3.58% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $4K | $5K | 5.07% |
| IRONWOOD BENEFITS ADVISORY SERVICES7 Filed as: IRONWOOD BENEFITS ADVISOR | 3715 NORTHSIDE PKWY NW STE 1-500 ATLANTA, GA 30327 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 3.57% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $586 | $586 | 4.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES7 Filed as: IRONWOOD BENEFITS ADVISOR | 3715 NORTHSIDE PKWY NW STE 1-500 ATLANTA, GA 30327 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $468 | $468 | 3.20% |
| WILLIS TOWERS WATSON US LLC7 Filed as: WILLIS OF ILLINOIS INC | 233 S WACKER DR STE 2000 WILLIS TOWER CHICAGO, IL 60606 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $33 | $2 | $35 | 10.70% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Non-monetary compensation; Claims processing; Named fiduciary; Float revenue Service code 12 | — | $13K |
| CIGNA | Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan; Named fiduciary; Contract Administrator; Float revenue 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 | 1,251 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,251 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,251 | $1.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,251 | $1.5M |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 736 | $170K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 736 | $104K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 736 | $116K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,251 | $1.5M |
| Other | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 736 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,251 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.