| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISKPOINT INSURANCE ADVISORS LLC3 | 5285 MEADOWS RD SUITE 242 LAKE OSWGO, OR 97035 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $68K | $20K | $87K | 27.58% |
| RISKPOINT INSURANCE ADVISORS LLC3 | 5285 MEADOWS RD STE 242 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 18.00% |
| RISKPOINT INSURANCE ADVISORS LLC3 | 5285 MEADOWS RD STE 242 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.62% |
| RISKPOINT INSURANCE ADVISORS LLC3 | 5285 MEADOWS RD STE 242 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| RISKPOINT INSURANCE ADVISORS LLC3 | 5285 MEADOWS RD STE 242 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $674 | — | $674 | 13.15% |
| RISKPOINT INSURANCE ADVISORS LLC3 | 5285 MEADOWS RD STE 242 LAKE OSWEGO, OR 97035 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $64 | — | $64 | 10.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Named fiduciary; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan; Participant communication Service code 12 | — | $57K |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $316K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $317K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $14K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 270 | $23K |
| Short-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 270 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 102 | $59K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.