| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 NORTH 40TH ST., STE. 234 PHOENIX, AZ 85018 | ANTHEM HEALTH PLANS, INC. | — | $187K | $187K | 2.04% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | ANTHEM HEALTH PLANS, INC. | $126K | $8K | $135K | 1.47% |
| CHRISTINE ANDREWS3 | P.O. BOX 466 FARMINGTON, CT 06034 | ANTHEM HEALTH PLANS, INC. | $54K | — | $54K | 0.58% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HEALTH NEW ENGLAND, INC. | $18K | — | $18K | 3.79% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 | 1010 NORTHERN BLVD., STE. 324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $20K | $23K | 10.99% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 | 1010 NORTHERN BLVD., STE. 324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $19K | $24K | 12.63% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 | 1010 NORTHERN BLVD., STE. 324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $6K | $22K | 20.00% |
| CHRISTINE ANDREWS3 | P.O. BOX 466 FARMINGTON, CT 06034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.21% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.79% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 | 1010 NORTHERN BLVD., STE. 324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| CHRISTINE ANDREWS3 | P.O. BOX 466 FARMINGTON, CT 06034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.03% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.97% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 Filed as: LIDAC EMPLOYEE BENEFIT SOLUTIONSLLC | 1010 NORTHERN BLVD., STE. 324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | METLIFE LEGAL PLANS | $2K | — | $2K | 9.51% |
| CHRISTINE ANDREWS3 | 3 FOREST PARK DRIVE FARMINGTON, CT 06034 | METLIFE LEGAL PLANS | $170 | — | $170 | 0.84% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 | 1010 NORTHERN BLVD., STE. 324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $536 | $2K | 16.92% |
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 | 891 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS, INC. | 962 | $9.7M |
| Dental | ANTHEM HEALTH PLANS, INC. | 962 | $9.2M |
| Vision | ANTHEM HEALTH PLANS, INC. | 962 | $9.2M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 891 | $123K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 494 | $208K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 338 | $193K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 962 | $9.2M |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 891 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 962 | — |
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.
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.