| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SERRA & DELVECCHIO LLC3 Filed as: SERRA & DELVECCHIO | 2 CORPORATE DR. SHELTON, CT 06484 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $30K | $0 | $30K | 1.68% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE NEW YORK, NY 10173 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $24K | $0 | $24K | 1.32% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST. SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $21K | $0 | $21K | 1.14% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST. SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| SERRA & DELVECCHIO LLC3 Filed as: SERRA & DELVECCHIO | 2 CORPORATE DR. SUITE 234 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 5.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST. SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| SERRA & DELVECCHIO LLC3 Filed as: SERRA & DELVECCHIO | 2 CORPORATE DR. SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 5.00% |
| ROGERS BENEFIT GROUP INC5 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST. PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $311 | $311 | 5.00% |
| SERRA & DELVECCHIO LLC3 Filed as: SERRA & DELVECCHIO | 2 CORPORATE DR. STE 234 SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $311 | $0 | $311 | 5.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $58 | $58 | 4.98% |
| SERRA & DELVECCHIO LLC3 Filed as: SERRA & DELVECCHIO | 2 CORPORATE DR. SHELTON, CT 06484 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58 | $0 | $58 | 4.98% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 236 | $1.8M |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 236 | $1.8M |
| Vision | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 236 | $1.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $6K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $40K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.