| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | — | $30K | 10.28% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $18K | $18K | 6.02% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.01% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.88% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.92% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.05% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $384 | $3K | 5.60% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 3.96% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.50% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $852 | — | $852 | 2.98% |
| CHRISTINE ANDREWS3 | 4 FOREST PARK DRIVE FARMINGTON, CT 06032 | GIS - NATIONAL | $2K | — | $2K | 11.25% |
| GIS NATIONAL3 Filed as: GIS-NATIONAL | 9500 KOGER AVE STE 200 ST. PETERSBURG, FL 33702 | GIS - NATIONAL | $1K | — | $1K | 6.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Other services; Participant communication; Float revenue; Direct payment from the plan; Non-monetary compensation; Named fiduciary Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $3K |
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 | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 96 | $293K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 82 | $59K |
| Vision | GIS - NATIONAL | 91 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 158 | $29K |
| Short-term disability | STANDARD INSURANCE COMPANY | 120 | $69K |
| Long-term disability | STANDARD INSURANCE COMPANY | 107 | $100K |
| Other | GIS - NATIONAL | 91 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.