| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTENNIAL GROUP BENEFITS INSURANCE3 | P.O. BOX 26457 SANTA ANA, CA 92799 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $88K | $3K | $91K | 5.17% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 | P.O. BOX 3387 SEAL BEACH, CA 90740 | KAISER FOUNDATION HEALTH PLAN INC. | $31K | — | $31K | 4.79% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | UNION SECURITY INSURANCE COMPANY | $18K | — | $18K | 8.17% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 | P.O. BOX 26457 SANTA ANA, CA 92799 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.00% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 | P.O. BOX 26457 SANTA ANA, CA 92799 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $369 | $369 | 4.01% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 | 245 FISCHER, SUITE A-2 COSTA MESA, CA 92626 | UDC DENTAL OF CALIFORNIA, INC. | $758 | — | $758 | 9.95% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 | P.O. BOX 26457 SANTA ANA, CA 92799 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $212 | — | $212 | 15.02% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $56 | $56 | 3.97% |
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 | 219 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | 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 | 165 | $2.4M |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 160 | $227K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 219 | $228K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 219 | $59K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $2.4M |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 219 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.