| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINE S ANDREWS ANDREWS AGENCY3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $2K | $6K | 1.05% |
| ROGERS BENEFIT GROUP INC3 | 1 FOREST PARK DRIVE #2 FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.90% |
| CHRISTINE S ANDREWS ANDREWS AGENCY3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 12.02% |
| ROGERS BENEFIT GROUP INC3 | 1 FOREST PARK DRIVE #2 FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| CHRISTINE S ANDREWS ANDREWS AGENCY3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | AMERITAS | $1K | — | $1K | 9.99% |
| GROUP INSURANCE SERVICES NATIONAL3 | 9500 KOGER AVE STE 200 ST PETERSBURG, FL 33702 | AMERITAS | — | $676 | $676 | 4.99% |
| CHRISTINE S ANDREWS ANDREWS AGENCY3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.46% |
| ROGERS BENEFIT GROUP INC3 | 1 FOREST PARK DRIVE #2 FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $676 | $676 | 5.00% |
| CHRISTINE S ANDREWS ANDREWS AGENCY3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | LIFELOCK (IDENTITY THEFT PROTECTION) | $637 | — | $637 | 14.98% |
| GROUP INSURANCE SERVICES NATIONAL3 | 9500 KOGER AVE STE 200 ST PETERSBURG, FL 33702 | LIFELOCK (IDENTITY THEFT PROTECTION) | — | $425 | $425 | 9.99% |
| CHRISTINE S ANDREWS ANDREWS AGENCY3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | METLAW/HYATT LEGAL (LEGAL PLAN) | $372 | — | $372 | 8.76% |
| GROUP INSURANCE SERVICES NATIONAL3 | 9500 KOGER AVE STE 200 ST PETERSBURG, FL 33702 | METLAW/HYATT LEGAL (LEGAL PLAN) | — | $266 | $266 | 6.26% |
| CHRISTINE S ANDREWS ANDREWS AGENCY3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $204 | — | $204 | 11.99% |
| ROGERS BENEFIT GROUP INC3 | 1 FOREST PARK DRIVE #2 FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $85 | $85 | 4.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHRISTINE S ANDREWS AGENCY | Insurance agents and brokers Service code 22 | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | $58K |
| ROGERS BENEFIT GROUP INC | Insurance agents and brokers Service code 22 | 1 FOREST PARK DRIVE 2 FARMINGTON, CT 06032 | $28K |
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 | 254 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254 | $581K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254 | $581K |
| Vision | AMERITAS | 254 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $14K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $29K |
| Other(2 contracts, 2 carriers) | LIFELOCK (IDENTITY THEFT PROTECTION) | 254 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.