| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | — | $24K | 6.80% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $15K | $15K | 4.35% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND LLC | 2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 0.63% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 3.87% |
| CAMPBELL PETRIE, INC.3 Filed as: CAMPBELL PETRIE INC | 1460 US HIGHWAY 9 N STE 200 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $362 | — | $362 | 0.22% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.54% |
| CAMPBELL PETRIE, INC.3 Filed as: CAMPBELL PETRIE INC | 1460 US HIGHWAY 9 N STE 200 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $381 | — | $381 | 0.45% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.67% |
| CAMPBELL PETRIE, INC.3 Filed as: CAMPBELL PETRIE INC | 1460 US HIGHWAY 9 N STE 200 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $378 | — | $378 | 1.10% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 65.93% |
| CHRISTINE ANDREWS3 | 4 FOREST PARK DRIVE FARMINGTON, CT 06032 | AMERITAS LIFE INSURANCE GROUP | $812 | — | $812 | 7.47% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 US HIGHWAY 9 N STE 200 WOODBRIDGE, NJ 07095 | AMERITAS LIFE INSURANCE GROUP | $275 | — | $275 | 2.53% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | AMERITAS LIFE INSURANCE GROUP | $138 | — | $138 | 1.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CONTRACT ADMINISTRATOR | Direct payment from the plan; Non-monetary compensation; Named fiduciary; Other services; Claims processing; Participant communication; Contract Administrator; Float revenue Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $12K |
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 | 193 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 104 | $351K |
| Vision | AMERITAS LIFE INSURANCE GROUP | 180 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 193 | $34K |
| Short-term disability | STANDARD INSURANCE COMPANY | 125 | $85K |
| Long-term disability | STANDARD INSURANCE COMPANY | 116 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.