| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $145K | — | $145K | 10.49% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH ST., STE. 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $40K | $40K | 2.88% |
| ANDREWS BENEFITS3 | PO BOX 466 FARMINGTON, CT 06034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$630 | — | -$630 | -0.05% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 5.48% |
| 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 | — | $11K | $11K | 3.54% |
| 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 | — | $7K | $7K | 5.00% |
| ANDREWS BENEFITS3 | P.O. BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.90% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $177 | — | $177 | 0.13% |
| 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 | — | $5K | $5K | 5.00% |
| ANDREWS BENEFITS3 | PO BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.61% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $249 | — | $249 | 0.24% |
| 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 | — | $5K | $5K | 5.00% |
| ANDREWS BENEFITS3 | PO BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.81% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $252 | — | $252 | 0.26% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ANDREWS BENEFITS3 | PO BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.49% |
| 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 | — | $774 | $774 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $269 | — | $269 | 1.74% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ANDREWS BENEFITS3 | 4 FOREST PARK DRIVE FARMINGTON, CT 06032 | LEGALPLANS, USA | $1K | — | $1K | 20.00% |
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 | 621 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 455 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 666 | $311K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 666 | $311K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 621 | $138K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 314 | $103K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 314 | $98K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 455 | $1.4M |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 621 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.