| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S. ANDREWS | PO BOX 466 FARMINGTON, CT 06034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $152K | $1K | $153K | 12.92% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | UNKNOWN AVON, CT 06001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $82K | $82K | 6.94% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 | 1010 NORTHERN BOULEVARD, SUITE 324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $47K | $73K | 13.83% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S. ANDREWS | 4 FOREST PARK DRIVE FARMINGTON, CT 06032 | AMERITAS LIFE INSURANCE CORP. | $6K | $0 | $6K | 10.00% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S. ANDREWS | PO BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 15.00% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S. ANDREWS | 3 FOREST PARK DRIVE FARMINGTON, CT 06032 | METLIFE LEGAL PLANS | $2K | $0 | $2K | 10.00% |
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 | 854 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| 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 | 854 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 854 | $1.2M |
| Vision | AMERITAS LIFE INSURANCE CORP. | 886 | $58K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 852 | $527K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 852 | $527K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 852 | $527K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 854 | $1.2M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 854 | $580K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 886 | — |
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.