| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $53K | — | $53K | 14.91% |
| 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 | — | $21K | $21K | 5.97% |
| CHRISTINE ANDREWS3 | P.O. BOX 466 FARMINGTON, CT 06034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $97 | — | $97 | 0.03% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 4.96% |
| 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 | — | $4K | $4K | 4.17% |
| CHRISTINE ANDREWS3 | P.O. BOX 466 FARMINGTON, CT 06034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$10 | $226 | $216 | 0.25% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 19.80% |
| CBIA SERVICE CORP.3 Filed as: CBIA SERVICE CORPORATION | 350 CHURCH STREET HARTFORD, CT 06103 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $4K | $4K | 16.38% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.38% |
| 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 | — | $1K | $1K | 5.80% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.61% |
| 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 | — | $1K | $1K | 5.85% |
| 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 | $370 | — | $370 | 1.93% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.84% |
| 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 | — | $1K | $1K | 5.90% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND LLC | 4 FOREST PARK DR. FARMINGTON, CT 06032 | VISION SERVICE PLAN | $790 | — | $790 | 7.30% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $241 | — | $241 | 14.10% |
| 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 | — | $100 | $100 | 5.85% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $353K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $85K |
| Vision | VISION SERVICE PLAN | 111 | $11K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 205 | $45K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 201 | $19K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 201 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.