| 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 | $58K | — | $58K | 6.72% |
| ROGERS BENEFIT GROUP INC3 | 4811 BEACH BLVD #106 JACKSONVILLE, FL 32207 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $23K | $23K | 2.69% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $574 | $6K | 4.48% |
| 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 | — | $6K | $6K | 4.32% |
| ENROLLEASE3 Filed as: ONE DIGITAL LLC | 200 GALLERIA PKWY SE STE 1950 STE 1650 ATLANTA, GA 33039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.92% |
| SETH JASON KALKSTEIN3 | 60 AVON MEADOW LN AVON, CT 06001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.34% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 153 CORNERSTONE DR SOUTH WINDSOR, CT 06074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.34% |
| ROBERT D DAVEY3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $918 | — | $918 | 1.56% |
| STEPHEN P WHITTEMORE3 Filed as: STEPHEN WHITTEMORE | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $918 | — | $918 | 1.56% |
| SETH JASON KALKSTEIN3 | 60 AVON MEADOW LN AVON, CT 06001 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | — | $1K | 2.53% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 153 CORNER STONE DR SOUTH WINDSOR, CT 06074 | UNITED OF OMAHA LIFE INSURANCE CO | $1K | — | $1K | 2.53% |
| ROBERT D DAVEY3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE CO | $737 | — | $737 | 1.69% |
| STEPHEN P WHITTEMORE3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE CO | $737 | — | $737 | 1.69% |
| SETH JASON KALKSTEIN3 | 60 AVON MEADOW LN AVON, CT 06001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.50% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 153 CORNERSTONE DR SOUTH WINDSOR, CT 06074 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.50% |
| ROBERT D DAVEY3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $870 | — | $870 | 3.00% |
| STEPHEN P SHITTEMORE3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $870 | — | $870 | 3.00% |
| SETH JASON KALKSTEIN3 | 60 AVON MEADOW LN AVON, CT 06001 | UNITED OF OMAHA LIFE INSURANCE CO | $828 | — | $828 | 3.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CA 06074 | UNITED OF OMAHA LIFE INSURANCE CO | $828 | — | $828 | 3.00% |
| ROBERT D DAVEY3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE CO | $552 | — | $552 | 2.00% |
| STEPHEN P WHITTEMORE3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | UNITED OF OMAHA LIFE INSURANCE CO | $552 | — | $552 | 2.00% |
| ENROLLEASE3 Filed as: ONE DIGITAL FARMINGTON | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYE MED | $1K | — | $1K | 9.92% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | THE HARTFORD | — | $242 | $242 | 17.93% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 5 PATTERSON PARK RD SUITE 1 FARMINGTON, CT 06032 | THE HARTFORD | $203 | — | $203 | 15.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 HLTH/VIS PROVIDER | Other services; Float revenue; Other commissions; Named fiduciary; Non-monetary compensation; Contract Administrator; Claims processing; Insurance brokerage commissions and fees; Participant communication; Direct payment from the plan Service code 12 | — | $270K |
| CIGNA | Named fiduciary; Float revenue; Claims processing; Other services; Participant communication; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $0 |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $864K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $129K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $877K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 707 | $57K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE CO | 188 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $59K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $864K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $864K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 707 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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.