| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FERMAN GROUP3 | 800 CONNECTICUT BLVD SUITE 301 EAST HARTFORD, CT 06108 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 9.26% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.21% |
| THE FERMAN GROUP3 | 800 CONNECTICUT BLVD SUITE 301 EAST HARTFORD, CT 06108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.44% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $721 | $721 | 3.21% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $379 | $379 | 140.37% |
| THE FERMAN GROUP3 | 800 CONNECTICUT BLVD SUITE 301 EAST HARTFORD, CT 06108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32 | — | $32 | 11.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $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 | 83 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 83 | $54K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $22K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $22K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 83 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83 | — |
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.