| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 1.51% |
| PROPEL INSURANCE3 | — | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| PROPEL INSURANCE3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 10.00% |
| MGIS3 | — | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.45% |
| PROPEL INSURANCE3 | — | VISION SERVICE PLAN | $702 | — | $702 | 7.55% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $939K |
| Dental | UNION SECURITY INSURANCE COMPANY | 0 | $60K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $949K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $40K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $40K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $939K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.