| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | AETNA | $25K | — | $25K | 2.74% |
| GEOFFREY S FERMAN3 | 111 FOUNDERS PLAZA STE 1704 EAST HARTFORD, CT 06108 | AETNA | $12K | — | $12K | 1.29% |
| GEOFFREY S FERMAN3 | 111 FOUNDERS PLAZA STE 301 EAST HARTFORD, CT 06108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $848 | — | $848 | 14.99% |
| GEOFFREY S FERMAN3 | 111 FOUNDERS PLAZA STE 1704 EAST HARTFORD, CT 06108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $349 | — | $349 | 20.03% |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 268 | $915K |
| Dental | AETNA | 268 | $915K |
| Life insurance | AETNA | 268 | $915K |
| Long-term disability | AETNA | 268 | $915K |
| Other(3 contracts, 2 carriers) | AETNA | 268 | $922K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.