| 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 | $83K | — | $83K | 7.95% |
| ROGERS BENEFIT GROUP INC3 | 4811 BEACH BLVD #106 JACKSONVILLE, FL 32207 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $33K | $33K | 3.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 5.01% |
| 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 | — | $8K | $8K | 4.98% |
| SETH JASON KALKSTEIN3 | 29 S. MAIN ST STE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $997 | $847 | $2K | 2.07% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 153 CORNERSTONE DR SOUTH WINDSOR, CT 06074 | STANDARD INSURANCE COMPANY | $997 | $847 | $2K | 2.07% |
| ROBERT D DAVEY3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $665 | — | $665 | 0.75% |
| STEPHEN P WHITTEMORE3 Filed as: STEPHEN WHITTEMORE | 27 MOUNTAIN VIEW RD WEATOGUE, CT 06089 | STANDARD INSURANCE COMPANY | $665 | — | $665 | 0.75% |
| SETH JASON KALKSTEIN3 | 29 S. MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $1K | $787 | $2K | 2.56% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CA 06074 | STANDARD INSURANCE COMPANY | $1K | $787 | $2K | 2.56% |
| ROBERT D DAVEY3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $943 | — | $943 | 1.10% |
| STEPHEN P WHITTEMORE3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $943 | — | $943 | 1.10% |
| SETH JASON KALKSTEIN3 | 29 S. MAIN ST STE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $492 | $556 | $1K | 1.73% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 153 CORNER STONE DR SOUTH WINDSOR, CT 06074 | STANDARD INSURANCE COMPANY | $492 | $556 | $1K | 1.73% |
| ROBERT D DAVEY3 | 29 S MAIN ST SUITE 201 WEST HARTFORD, CT 06107 | STANDARD INSURANCE COMPANY | $328 | — | $328 | 0.54% |
| STEPHEN P WHITTEMORE3 | 27 MOUNTAIN VIEW RD SUITE 201 WEATOGUE, CT 06089 | STANDARD INSURANCE COMPANY | $328 | — | $328 | 0.54% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 153 CORNERSTONE DR. SOUTH WINDSOR, CT 06074 | STANDARD INSURANCE COMPANY | $535 | — | $535 | 2.21% |
| SETH KALKSTEIN3 | 15849 CRANES MARSH CT. BABCOCK RANCH, FL 33982 | STANDARD INSURANCE COMPANY | $535 | — | $535 | 2.21% |
| STEPHEN P WHITTEMORE3 Filed as: STEPHEN WHITTEMORE | 27 MOUNTAIN VIEW RD. WEATOGUE, CT 06089 | STANDARD INSURANCE COMPANY | $357 | — | $357 | 1.48% |
| ROBERT HENSLEY & ASSOCIATES LLC3 Filed as: ROBERT DAVEY | 11 EDWARDS RD. AVON, CT 06001 | STANDARD INSURANCE COMPANY | $357 | — | $357 | 1.48% |
| SETH KALKSTEIN3 | 15849 CRANES MARSH CT. BABCOCK RANCH, FL 33982 | STANDARD INSURANCE COMPANY | $705 | — | $705 | 3.19% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 153 CORNERSTONE DR. SOUTH WINDSOR, CT 06074 | STANDARD INSURANCE COMPANY | $705 | — | $705 | 3.19% |
| ROBERT HENSLEY & ASSOCIATES LLC3 Filed as: ROBERT DAVEY | 11 EDWARDS RD. AVON, CT 06001 | STANDARD INSURANCE COMPANY | $470 | — | $470 | 2.13% |
| STEPHEN P WHITTEMORE3 Filed as: STEPHEN WHITTEMORE | 27 MOUNTAIN VIEW RD WEATOGUE, CT 06089 | STANDARD INSURANCE COMPANY | $470 | — | $470 | 2.13% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 153 CORNERSTONE DR. SOUTH WINDSOR, CT 06074 | STANDARD INSURANCE COMPANY | $268 | — | $268 | 1.76% |
| SETH KALKSTEIN3 | 15849 CRANES MARSH CT. BABCOCK RANCH, FL 33982 | STANDARD INSURANCE COMPANY | $268 | — | $268 | 1.76% |
| ROBERT HENSLEY & ASSOCIATES LLC3 Filed as: ROBERT DAVEY | 11 EDWARDS RD. AVON, CT 06001 | STANDARD INSURANCE COMPANY | $179 | — | $179 | 1.18% |
| STEPHEN P WHITTEMORE3 Filed as: STEPHEN WHITTEMORE | 27 MOUNTAIN VIEW RD. WEATOGUE, CT 06089 | STANDARD INSURANCE COMPANY | $179 | — | $179 | 1.18% |
| ENROLLEASE3 Filed as: ONE DIGITAL FARMINGTON | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | EYE MED | $2K | — | $2K | 14.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 HLTH/VIS PROVIDER | Float revenue; Claims processing; Participant communication; Other services; Direct payment from the plan; Named fiduciary; Non-monetary compensation; Contract Administrator Service code 12 | — | $162K |
| CIGNA | Participant communication; Named fiduciary; Direct payment from the plan; Contract Administrator; Other services; Float revenue; Non-monetary compensation; Claims processing 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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 201 | $170K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 273 | $1.1M |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 262 | $113K |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 247 | $76K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 247 | $108K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $1.0M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.