| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA3 Filed as: CIGNA HEALTHY REWARDS VENDORS | AMPLIFON HEARING HEALTHECARE 150 SOUTH 5TH STREET SUITE 2300 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $66K | $66K | 12.75% |
| CORPORATE STRATEGIES, INC.3 | 21021 VENTURA BLVD SUITE 200 WOODLAND HILLS, CA 91364 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $0 | $35K | 6.69% |
| DUKAR FYFE INSURANCE SERVICES3 | 23622 CALABASAS RD UNIT 145 CALABASAS, CA 91302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | $0 | $35K | 6.69% |
| CORPORATE STRATEGIES, INC.3 | 21021 VENTURA BLVD SUITE 200 WOODLAND HILLS, CA 91364 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.44% |
| DUKAR FYFE INSURANCE SERVICES3 | 23679 CALABASAS ROAD #1037 CALABASAS, CA 91302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.44% |
| CORPORATE STRATEGIES, INC.3 Filed as: CORPORATE STRATEGIES INC. | 21021 VENTURA BLVD., SUITE 200 WOODLAND HILLS, CA 91364 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 10.50% |
| ESSENTIAL BENEFITS LLC3 Filed as: ESSENTIAL BENEFITS | 6320 GREENHAVEN DR CARLSBAD, CA 92009 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.95% |
| DUKAR FYFE INSURANCE SERVICES3 | 23679 CALABASAS ROAD #1037 CALABASAS, CA 91302 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $449 | $0 | $449 | 7.50% |
| CORPORATE STRATEGIES, INC.3 | 21021 VENTURA BLVD, SUITE 200 WOODLAND HILLS, CA 91364 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $449 | $0 | $449 | 7.50% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $119K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.