| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY BENEFITS | ONE INTERNATIONAL BLVD. MAHWAH, NJ 07495 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $89K | — | $89K | 2.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $54K | $60K | 1.97% |
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $34K | — | $34K | 1.12% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | GUARDIAN | $15K | $7K | $22K | 7.68% |
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | GUARDIAN | $3K | — | $3K | 1.21% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $16K | $3K | $19K | 10.37% |
| TARIG HILALY3 | 208 VALLEY STREET SAN FRANCISCO, CA 94131 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 3.14% |
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY BENEFITS | ONE INTERNATIONAL BLVD. MAHWAH, NJ 07495 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 3.79% |
| LUMITY, INC.3 | 71 E. 3RD AVENUE SAN MATEO, CA 94401 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 1.44% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $117 | $1K | 16.43% |
| TARIG HILALY3 | 208 VALLEY STREET SAN FRANCISCO, CO 94131 | FIRST UNUM LIFE INSURANCE COMPANY | $396 | — | $396 | 5.07% |
No Schedule C service providers reported on this filing.
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 252 | $3.2M |
| Dental | GUARDIAN | 264 | $285K |
| Vision | GUARDIAN | 264 | $285K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 300 | $188K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 300 | $180K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 300 | $180K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 20 | $137K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 300 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.