| 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 | $132K | $665 | $132K | 10.97% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFITS GROUP | 5110 N 40TH ST PHOENIX, AZ 85050 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $71K | $71K | 5.91% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S ANDREWS | P.O. BOX 466 FARMINGTON, CT 06032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $15K | $18K | 8.89% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 | 1010 NORTHERN BLVD #324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $186 | $5K | $5K | 2.56% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 | 1010 NORTHERN BLVD #324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $230 | $5K | $5K | 2.52% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S ANDREWS | P.O. BOX 466 FARMINGTON, CT 06032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $4K | $15K | 15.37% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 | 1010 NORTHERN BLVD #324 GREATNECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.04% |
| ANDREWS BENEFITS3 Filed as: ANDREWS, CHRISTINE | P.O. BOX 466 FARMINGTON, CT 06032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 19.48% |
| ANDREWS BENEFITS3 Filed as: ANDREWS, CHRISTINE | 4 FOREST PARK DR. FARMINGTON, CT 06032 | AMERITAS LIFE INSURANCE CORP. | $6K | $0 | $6K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | AMERITAS LIFE INSURANCE CORP. | $748 | $1K | $2K | 3.80% |
| METTILLE, MARK S3 Filed as: METTILLE, MARK | 422 WAUPONSEE STREET MORRIS, IL 60450 | AMERITAS LIFE INSURANCE CORP. | $2K | $0 | $2K | 3.73% |
| CHRISTINE ANDREWS3 | P.O. BOX 466 FARMINGTON, CT 06032 | CIGNA HEALTHCARE OF CONNECTICUT, INC | $909 | $0 | $909 | 2.74% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | CIGNA HEALTHCARE OF CONNECTICUT, INC | $0 | $909 | $909 | 2.74% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S ANDREWS | P.O. BOX 466 FARMINGTON, CT 06032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $598 | $2K | 12.99% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 | 1010 NORTHERN BLVD #324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $290 | $181 | $471 | 3.27% |
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 | 854 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 828 | $1.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 828 | $1.2M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 864 | $59K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 854 | $114K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 439 | $257K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 303 | $188K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 828 | $1.2M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 854 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 864 | — |
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.