| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 2940 NETWORK PLACE CHICAGO, IL 60673 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$7K | — | -$7K | -0.18% |
| DAYNINE CONSULTING3 | 6200 STONERIDGE MALL ROAD PLEASANTON, CA 94588 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 0.21% |
| DAYNINE CONSULTING3 | 6200 STONERIDGE MALL ROAD PLEASANTON, CA 94588 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 0.20% |
| DAYNINE CONSULTING3 | 6200 STONERIDGE MALL DRIVE PLEASANTON, CA 94588 | STANDARD INSURANCE COMPANY | — | $904 | $904 | 0.20% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS | 5605 GLENRIDGE DRIVE ATLANTA, GA 30342 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 14.65% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 5.35% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF, SEIBELS AND WILLIAMS | 5605 GLENRIDGE DRIVE NE STE 300 ATLANTA, GA 30342 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 146.43% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES SOUTH | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 53.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIMS ADMIN | Other services; Named fiduciary; Float revenue; Claims processing; Participant communication; Contract Administrator; Direct payment from the plan; Non-monetary compensation Service code 12 | — | $1.6M |
| METROPOLITAN LIFE INS CO EIN 13-5581829 INSURANCE BROKER | Insurance services; Insurance agents and brokers Service code 22 | — | $11K |
| CIGNA | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Non-monetary compensation; Claims processing; Float revenue; Contract Administrator 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 | 2,649 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,665 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,663 | $4.9M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,663 | $4.9M |
| Vision | VISION SERVICE PLAN | 3,004 | $447K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,345 | $1.6M |
| Short-term disability | STANDARD INSURANCE COMPANY | 3,314 | $456K |
| Long-term disability | STANDARD INSURANCE COMPANY | 3,329 | $664K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,663 | $1.1M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 6,663 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,663 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.