| 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 | 8.10% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 4.75% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $123 | $123 | 0.04% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 5.28% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | — | $601 | $601 | 0.64% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.16% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | — | $354 | $354 | 0.56% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 4.96% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 3.97% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $123 | $123 | 0.22% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.49% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | — | $173 | $173 | 0.60% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | SELMAN AND COMPANY | — | $2K | $2K | 20.00% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | CIGNA HEALTHCARE OF CONNECTICUT INC | $420 | — | $420 | 4.95% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTHCARE OF CONNECTICUT INC | — | $336 | $336 | 3.96% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | AMERITAS LIFE INSURANCE CORP. | $805 | — | $805 | 10.00% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 18.95% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DR STE 8 BRANFORD, CT 06405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $205 | — | $205 | 2.77% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | LEGAL ACCESS CONSULTING, LLC | — | $798 | $798 | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Named fiduciary Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $13K |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $335K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 75 | $65K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 140 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 146 | $29K |
| Short-term disability | STANDARD INSURANCE COMPANY | 107 | $63K |
| Long-term disability | STANDARD INSURANCE COMPANY | 90 | $93K |
| Other(3 contracts, 3 carriers) | SELMAN AND COMPANY | 60 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.