| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $12K | $12K | 4.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES7 Filed as: IRONWOOD BENEFITS ADVISOR | 4401 NORTHSIDE PKWY STE 800 ATLANTA, GA 30327 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $161 | $161 | 0.05% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8K | $8K | 4.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES7 Filed as: IRONWOOD BENEFITS ADVISOR | 4401 NORTHSIDE PKWY STE 800 ATLANTA, GA 30327 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $37 | $37 | 0.02% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 4.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES7 Filed as: IRONWOOD BENEFITS ADVISOR | 4401 NORTHSIDE PKWY STE 800 ATLANTA, GA 30327 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $177 | $177 | 0.10% |
| NATIONAL BENEFIT CENTER7 | 6830 COCHRAN ROAD SOLON, OH 44139 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 4.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES7 Filed as: IRONWOOD BENEFITS ADVISOR | 4401 NORTHSIDE PKWY STE 800 ATLANTA, GA 30327 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $17 | $17 | 0.06% |
| IRONWOOD BENEFITS ADVISORY SERVICES7 Filed as: IRONWOOD BENEFITS ADVISOR | 4401 NORTHSIDE PKWY STE 800 ATLANTA, GA 30327 | CIGNA LIFE INSURANCE CO OF NEW YORK | $30 | — | $30 | 6.90% |
| IRONWOOD BENEFITS ADVISORY SERVICES7 Filed as: IRONWOOD BENEFITS ADVISOR | 4401 NORTHSIDE PKWY STE 800 ATLANTA, GA 30327 | CIGNA LIFE INSURANCE CO OF NEW YORK | $14 | — | $14 | 3.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMINISTRATION | Named fiduciary; Direct payment from the plan; Contract Administrator; Non-monetary compensation; Claims processing; Float revenue; Other services; Participant communication Service code 12 | — | $1.1M |
| CIGNA | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Float revenue; Participant communication; Other services; Direct payment from the plan 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 | 2,358 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,358 | $886K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,358 | $886K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $299K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 584 | $205K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,306 | $183K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 477 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,358 | — |
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.