| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY ASSOCIATES INS. SERV. INC | P.O. BOX 1006 THOUSAND OAKS, CA 91358 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $418K | — | $418K | 1.79% |
| INTEGRITY ASSOCIATES INS. SERVICES3 | P.O. BOX 1006 THOUSAND OAKS, CA 91358 | KAISER FOUNDATION HEALTH PLAN INC. | $58K | — | $58K | 1.66% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY ASSOCIATES INS. SERV. INC | P.O. BOX 1006 THOUSAND OAKS, CA 91358 | CIGNA HEALTHCARE OF CALIFORNIA | $12K | — | $12K | 1.72% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY ASSOCIATES INS. SERV. INC | P.O. BOX 1006 THOUSAND OAKS, CA 91358 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 1.02% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY ASSOCIATES INSURANCE SVCS | P.O BOX 1006 THOUSAND OAKS, CA 91358 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $12K | $46K | 13.52% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY ASSOCIATES INSURANCE SVCS | P.O. BOX 1006 THOUSAND OAKS, CA 91358 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | $10K | $29K | 14.97% |
| INTEGRITY ASSOCIATES INS. SERVICES3 | P.O. BOX 1006 THOUSAND OAKS, CA 91358 | UNUM LIFE INSURANCE CO. OF AMERICA | $28K | — | $28K | 15.42% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY ASSOCIATES INSURANCE SVCS | P.O. BOX 1006 THOUSAND OAKS, CA 91358 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $8K | $33K | 19.87% |
| INSURANCE PLANNING GROUP3 | 85 WASHINGTON ST. KEENE, NH 03431 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| INSURANCE PLANNING GROUP3 | 85 WASHINGTON ST. KEENE, NH 03431 | UNITED AMERICAN INSURANCE CO. | $5K | — | $5K | 10.46% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY ASSOCIATES INSURANCE SVCS | P.O. BOX 1006 THOUSAND OAKS, CA 91358 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $918 | $4K | 19.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE RICHARDS GROUP CONTRACT ADMINISTRATOR | Participant communication; Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | 85 WASHINGTON ST. KEENE, NH 03431 | $33K |
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 | 2,371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,379 | $27.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,379 | $23.3M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,774 | $510K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 667 | $196K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,379 | $23.4M |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,774 | $592K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,379 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.