| 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 | $46K | $2K | $48K | 9.55% |
| ROGERS BENEFIT GROUP INC3 | 4811 BEACH BLVD #106 JACKSONVILLE, FL 32207 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $19K | $19K | 3.66% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEIT GROUP INC. | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 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 | — | $2K | 8.45% |
| 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 | — | $3K | 12.71% |
| 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 | — | $2K | 8.90% |
| ROGERS BENEFIT GROUP INC3 | ONE FOREST PK DR FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| BRIAN DRISCOLL3 Filed as: BRIAN F DRISCOLL | 5 BATTERSON PARK RD 1ST FLOOR FARMINGTON, CT 06032 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 44.42% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 850182151 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 33.76% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, AK 30339 | EYE MED | $765 | — | $765 | 9.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 HLTH/VIS PROVIDER | Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Non-monetary compensation; Other commissions; Float revenue; Claims processing; Insurance brokerage commissions and fees; Participant communication Service code 12 | — | $137K |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $506K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $105K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $515K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $26K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $28K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $44K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $506K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.