| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUNNING PARTNERS INC3 | PO BOX 2162 LAKE OSWEGO, OR 97035 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $366 | — | $366 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Contract Administrator Service code 13 | 900 COTTAGE GROVE ROAD HARTFORD, CT 06152 | $82K |
| RUNNING PARTNERS, INC. EIN 43-4073560 NONE | Insurance brokerage commissions and fees Service code 53 | PO BOX 2162 LAKE OSWEGO, OR 97035 | $25K |
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 | 115 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $643K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $643K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.