| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS & GRAY INSURANCE AGENCY | 434 ROUTE 134 SOUTH DENNIS, MA 02066 | ALTUS DENTAL INSURANCE COMPANY, INC | $4K | $0 | $4K | 6.16% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS & GRAY INSURANCE AGENCY | 434 ROUTE 134 SOUTH DENNIS, MA 02660 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $976 | $5K | 16.37% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $836 | $836 | 2.81% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS & GRAY INSURANCE AGENCY | 434 ROUTE 134 SOUTH DENNIS, MA 02301 | VISION SERVICE PLAN | $259 | $0 | $259 | 10.00% |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC | 152 | $70K |
| Vision | VISION SERVICE PLAN | 20 | $3K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $30K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.