| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROPU INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 1.29% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED INSURANCE STRATEGIES LLC | P.O. BOX 709 DALTON, GA 30722 | AETNA LIFE INSURANCE COMPANY | $3K | $5K | $8K | 1.02% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED INSURANCE STRATEGIES | P.O. BOX 709 DALTON, GA 30722 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $28K | $33K | 5.42% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $13K | $13K | 2.17% |
| ADVANCED BENEFIT SYSTEM INC Filed as: ADVANCED INSURANCE STRATEGIES LLC | P.O. BOX 709 DALTON, GA 30722 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 15.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED INSURANCE STRATEGIES LLC | P.O. BOX 709 DALTON, GA 30722 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 15.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED INSURANCE STRATEGIES LLC | P.O. BOX 709 DALTON, GA 30722 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 15.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 5.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED INSURANCE STRATEGIES | P.O. BOX 709 DALTON, GA 30722 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $623 | $0 | $623 | 15.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $208 | $208 | 5.01% |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 362 | $1.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 362 | $1.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $32K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.