| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINE ANDREWS3 | P.O. BOX 466 FARMINGTON, CT 06034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | — | $40K | 12.26% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH ST., STE. 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 4.90% |
| CHRISTINE ANDREWS3 | P.O. BOX 466 FARMINGTON, CT 06034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 4.94% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 NORTH 40TH ST., STE. 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 3.97% |
| CHRISTINE ANDREWS3 | P.O. BOX 466 FARMINGTON, CT 06034 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 19.67% |
| CBIA SERVICE CORP.3 Filed as: CBIA SERVICE CORPORATION | 350 CHURCH STREET HARTFORD, CT 06103 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 16.36% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | P.O. BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.83% |
| 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 | — | $599 | $599 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | P.O. BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 NORTH 40TH ST., STE. 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $507 | $507 | 5.00% |
| CHRISTINE ANDREWS3 | P.O. BOX 466 FARMINGTON, CT 06034 | VISION SERVICE PLAN | $627 | — | $627 | 6.63% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 4 FOREST PARK DR. FARMINGTON, CT 06032 | VISION SERVICE PLAN | $97 | — | $97 | 1.03% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | P.O. BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| 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 | — | $448 | $448 | 5.01% |
| CHRISTINE ANDREWS3 | P.O. BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $98 | — | $98 | 12.00% |
| 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 | — | $41 | $41 | 5.02% |
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 | 185 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $326K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $65K |
| Vision | VISION SERVICE PLAN | 100 | $9K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 185 | $27K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $9K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 185 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.