| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE GANIM GROUP, INC3 Filed as: GANIM GROUP INC | 2 ENTERPRISE DR., STE. 305 SHELTON, CT 06484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $82K | $88K | 4.04% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST., STE. 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $45K | $45K | 2.07% |
| THE GANIM GROUP, INC3 Filed as: GANIM GROUP INC | 2429 NORTH AVE. BRIDGEPORT, CT 06604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.73% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH ST., STE. 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| THE GANIM GROUP, INC3 Filed as: GANIM GROUP INC | 2429 NORTH AVE BRIDGEPORT, CT 06604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.23% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N. 40TH ST., STE. 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
No Schedule C service providers reported on this filing.
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 | 124 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 199 | $2.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $23K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.