| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 9.17% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 5.38% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.18% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $480 | — | $480 | 0.50% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.59% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $348 | — | $348 | 0.62% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 4.95% |
| 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 | 7.52% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $142 | — | $142 | 0.50% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | AMERITAS LIFE INSURANCE CORP | $932 | — | $932 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CONTRACT ADMINISTRATOR | Direct payment from the plan; Participant communication; Float revenue; Other services; Claims processing; Named fiduciary; Non-monetary compensation; Contract Administrator Service code 12 | 900 COTTAGE GROVE BLVD BLOOMFIELD, CT 06002 | $8K |
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. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 99 | $293K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 73 | $54K |
| Vision | AMERITAS LIFE INSURANCE CORP | 154 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 152 | $28K |
| Short-term disability | STANDARD INSURANCE COMPANY | 107 | $56K |
| Long-term disability | STANDARD INSURANCE COMPANY | 97 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.