| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREWS BENEFITS3 | P.O. BOX 466 FARMINGTON, CT 06034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $98K | $5K | $103K | 11.14% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $30K | $30K | 3.29% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 1.32% |
| CHRISTINE ANDREWS3 | P.O. BOX 466 FARMINGTON, CT 06034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $1K | $12K | 5.41% |
| 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 | $0 | $8K | $8K | 3.55% |
| HILB GROUP OF NEW ENGLAND3 | 4 FOREST PARK DR FARMINGTON, CT 06032 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 0.63% |
| ANDREWS BENEFITS3 | P.O. BOX 466 FARMINGTON, CT 06034 | ANTHEM LIFE INSURANCE COMPANY | $17K | $3K | $20K | 11.23% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH ST., STE. 234 PHOENIX, AZ 85018 | ANTHEM LIFE INSURANCE COMPANY | — | $9K | $9K | 5.00% |
| ANDREWS BENEFITS3 | P.O. BOX 466 FARMINGTON, CT 06034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $344 | $2K | 18.00% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS3 | 1010 NORTHERN BOULEVARD, STE. 324 GREAT NECK, NY 11021 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $573 | $573 | 5.00% |
| ANDREWS BENEFITS3 | P.O. BOX 466 FARMINGTON, CT 06034 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $256 | $2K | 18.00% |
| 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 | — | $427 | $427 | 5.00% |
| CHRISTINE ANDREWS3 | 4 FOREST PARK DRIVE FARMINGTON, CT 06032 | LEGAL ACCESS CONSULTING, LLC. | $578 | — | $578 | 20.01% |
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 | 299 | 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) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 447 | $921K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 355 | $227K |
| Vision(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 447 | $1.1M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 299 | $177K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 299 | $177K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 299 | $177K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 447 | $921K |
| Other(4 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 299 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.