| 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 | $412K | — | $412K | 1.75% |
| INTEGRITY ASSOCIATES INS. SERVICES3 | P.O. BOX 1006 THOUSAND OAKS, CA 91358 | KAISER FOUNDATION HEALTH PLAN INC. | $71K | — | $71K | 1.69% |
| 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 | 1.67% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY ASSOCIATES INSURANCE SVCS | P.O BOX 1006 THOUSAND OAKS, CA 91358 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | — | $38K | 10.00% |
| 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 | 1.37% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY ASSOCIATES INSURANCE SVCS | P.O. BOX 1006 THOUSAND OAKS, CA 91358 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| INTEGRITY ASSOCIATES INS. SERVICES3 | P.O. BOX 1006 THOUSAND OAKS, CA 91358 | UNUM LIFE INSURANCE CO. OF AMERICA | $30K | — | $30K | 15.61% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY ASSOCIATES INSURANCE SVCS | P.O. BOX 1006 THOUSAND OAKS, CA 91358 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 15.00% |
| THE RICHARDS GROUP3 | 48 HARRIS PL. P.O. BOX 820 BRATTLEBORO, VT 05302 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| THE RICHARDS GROUP3 Filed as: RICHARDS GROUP | 48 HARRIS PLACE BRATTLEBORO, VT 05301 | UNITED AMERICAN INSURANCE CO. | $4K | — | $4K | 8.92% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY ASSOCIATES INSURANCE SVCS | P.O. BOX 1006 THOUSAND OAKS, CA 91358 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE RICHARDS GROUP CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Participant communication; Direct payment from the plan Service code 12 | 48 HARRIS PLACE BRATTLEBORO, VT 05301 | $32K |
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 | 2,189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,213 | 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 | 2,213 | $28.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,213 | $23.5M |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,752 | $559K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 651 | $209K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,213 | $24.3M |
| Other(4 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,752 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,213 | — |
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.