| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CKFIS INC3 | 3255 WILSHIRE BLVD LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE | $25K | — | $25K | 7.00% |
| CKFIS INC3 | 3255 WILSHIRE BLVD STE 1500 LOS ANGELES, CA 90010 | AMERITAS LIFE INSURANCE CORP | $5K | — | $5K | 10.00% |
| N-GAGE LLC3 | 22385 MISTY FALLS CIRCLE FRANKFORT, IL 60423 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.59% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $525 | — | $525 | 1.11% |
| CKFIS INC3 | 3255 WILSHIRE BLVD STE 1500 LOS ANGELES, CA 90010 | TRANSAMERICA LIFE INSURANCE COMPANY | $139 | — | $139 | 0.29% |
| CKFIS INC3 | 3255 WILSHIRE BLVD STE 1500 LOS ANGELES, CA 90010 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.11% |
| CKFIS INC3 | 3200 WILSHIRE BLVD STE 1500 LOS ANGELES, CA 90010 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 15.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | AON CONSULTING INC CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | — | $63 | $63 | 0.21% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | PO BOX 955816 SAINT LOUIS, MO 63195 | HARTFORD LIFE AND ACCIDENT | — | -$9 | -$9 | -0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURNACE EIN 59-1031071 CLAIM ADMINISTRATOR | Non-monetary compensation; Other services; Participant communication; Claims processing; Direct payment from the plan; Contract Administrator; Float revenue; Named fiduciary Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $413K |
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 | 356 | 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) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP | 484 | $50K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 373 | $78K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 26 | $30K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 26 | $30K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE | 792 | $354K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 89 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 792 | — |
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.