| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 4.95% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEIT GROUP INC. | 5110 N 40TH STREET SUITE 234 PHOENIX, AR 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 3.96% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $519 | $3K | 10.43% |
| ROGERS BENEFIT GROUP INC3 | ONE FOREST PK DR FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $549 | $4K | 14.91% |
| ROGERS BENEFIT GROUP INC3 | ONE FOREST PK DR FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $452 | $3K | 10.84% |
| ROGERS BENEFIT GROUP INC3 | ONE FOREST PK DR FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $340 | $41 | $381 | 16.82% |
| ROGERS BENEFIT GROUP INC3 | ONE FOREST PK DR FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $113 | $113 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 HLTH/VIS PROVIDER | Other services; Participant communication; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing; Insurance brokerage commissions and fees; Named fiduciary; Other commissions; Direct payment from the plan Service code 12 | — | $97K |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $367K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 106 | $83K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $367K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $26K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $367K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.