| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY, LLC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CONNECTICARE | $0 | $37K | $37K | 3.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CONNECTICARE | $0 | $11K | $11K | 0.91% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.77% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | PO BOX 786677, 21ST FLOOR PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $854 | $0 | $854 | 1.23% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 6.25% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $1K | $2K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 195 SCOTT SWAMP ROAD, SUITE 100 FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 2.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP | 29 SOUTH MAIN STREET, SUITE 300 WEST HARTFORD, CT 06107 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 2.43% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE | 100 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 84 | $70K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 84 | $70K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $48K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $48K |
| Prescription drug | CONNECTICARE | 100 | $1.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 100 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.