| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KGS INSURANCE SERVICES LLC3 | 505 MAIN STREET MIDDLETOWN, CT 06457 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 6.50% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFITS GROUP INC | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $38K | $38K | 4.86% |
| KEITH LEPACK3 Filed as: KEITH J BELL | 20 WALTS HILL ROAD BLOOMFIELD, CT 06002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 1.29% |
| KGS INSURANCE SERVICES LLC3 | 505 MAIN STREET MIDDLETOWN, CT 06457 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 11.85% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 3.46% |
| BELL KEITH3 | 20 WALTS HILL ROAD BLOOMFIELD, CT 06002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 2.39% |
| KGS INSURANCE SERVICES LLC3 Filed as: KGS INSURANCE SERVICES, LLC | 505 MAIN STREET MIDDLETOWN, CT 06457 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.73% |
| KEITH BELL3 | 124 COURT STREET MIDDLETOWN, CT 06457 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $710 | — | $710 | 2.55% |
| KGS INSURANCE SERVICES LLC3 Filed as: KGS INSURANCE SERVICES L | 505 MAIN STREET MIDDLETOWN, CT 06457 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.47% |
| KEITH BELL3 | 124 COURT STREET MIDDLETON, CT 06457 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $627 | — | $627 | 2.52% |
| KGS INSURANCE SERVICES LLC3 Filed as: KGS INSURANCE SERVICES L | 505 MAIN STREET MIDDLETOWN, CT 06457 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $421 | — | $421 | 11.22% |
| KEITH BELL3 | 124 COURT STREET MIDDLETOWN, CT 06457 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $96 | — | $96 | 2.56% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 135 | $122K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 135 | $122K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $25K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $782K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 182 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.