| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CKFIS INC3 | 3255 WILSHIRE BLVD LOS ANGELES, CA 90010 | CIGNA HEALTH AND LIFE INSURANCE | $23K | — | $23K | 7.01% |
| CKFIS INC3 | 3200 WILSHIRE BLVD 1700 S/T LOS ANGELES, CA 90010 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 14.60% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $222 | — | $222 | 0.41% |
| CKFIS INC3 | 3255 WILSHIRE BLVD STE 1500 LOS ANGELES, CA 90010 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.48% |
| N-GAGE LLC3 | 22385 MISTY FALLS CIRCLE FRANKFORT, IL 60423 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.61% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $581 | — | $581 | 1.12% |
| CKFIS INC3 | 3255 WILSHIRE BLVD STE 1500 LOS ANGELES, CA 900101418 | HUMANA | $5K | — | $5K | 9.92% |
| CKFIS INC3 | 3255 WILSHIRE BLVD STE 1500 LOS ANGELES, CA 90010 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 10.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURNACE EIN 59-1031071 CLAIM ADMINISTRATOR | Non-monetary compensation; Claims processing; Participant communication; Contract Administrator; Named fiduciary; Direct payment from the plan; Other services; Float revenue Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $289K |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA | 217 | $48K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 351 | $81K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 344 | $54K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 344 | $54K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE | 779 | $322K |
| Other | TRANSAMERICA LIFE INSURANCE COMPANY | 100 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 779 | — |
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.