| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREWS BENEFITS3 Filed as: ANDREWS-CHRISTINE | PO BOX 466 FARMINGTON, CT 06034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $138K | $26K | $164K | 15.60% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFITS GROUP INC. | 5110 N 40TH ST PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $75K | $75K | 7.16% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $11K | $11K | 5.00% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S ANDREWS | PO BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $2K | $8K | 3.64% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH ST STE 234 PHOENIX, CT 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $10K | $10K | 5.00% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S ANDREWS | P O BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $6K | 3.04% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S. ANDREWS | P.O. BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $692 | $5K | 5.01% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 ARIZONA, CT 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 5.00% |
| ANDREWS BENEFITS3 Filed as: ANDREWS, CHRISTINE | 4 FOREST PARK DR FARMINGTON, CT 06032 | AMERITAS LIFE INSURANCE CORP. | $7K | $0 | $7K | 10.00% |
| METTILLE, MARK S3 Filed as: METTILLE, MARK | 422 WAUPONSEE ST MORRIS, IL 60450 | AMERITAS LIFE INSURANCE CORP. | $3K | $0 | $3K | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | AMERITAS LIFE INSURANCE CORP. | $0 | $2K | $2K | 3.65% |
| ANDREWS BENEFITS3 Filed as: ANDREWS, CHRISTINE | PO BOX 466 FARMINGTON, CT 06034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 21.11% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $0 | $1K | $1K | 3.32% |
| CHRISTINE ANDREWS3 | P.O. BOX 466 FARMINGTON, CT 06034 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $1K | $0 | $1K | 3.32% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S ANDREWS | P.O. BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $248 | $16 | $264 | 12.80% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $103 | $103 | 4.99% |
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 | 859 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 823 | $1.0M |
| Dental | CIGNA HEALTHCARE OF CONNECTICUT, INC. | 105 | $39K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 926 | $67K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 859 | $92K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 451 | $247K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 307 | $210K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 823 | $1.0M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 859 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 926 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.