| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AVG INSURANCE GROUP, INC.3 | 4510 SW 153 PL MIAMI, FL 33185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | — | $76K | 11.66% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 3.89% |
| AVG INSURANCE GROUP, INC.3 | 4510 SW 153 PL MIAMI, FL 33185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 9.87% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH ST SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 4.13% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | — | $7K | 9.99% |
| AVG INSURANCE GROUP, INC.3 Filed as: AVG INSURANCE GROUP INC | 4510 SW 153 PLACE MIAMI, FL 33185 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 7.99% |
| ANA V. GONZALEZ3 | 4510 SW 153 RD PLACE MIAMI, FL 33185 | TRIPLE S SALUD, INC. | $1K | — | $1K | 2.50% |
| JEANNETTE MUNOZ3 | URB. SANJUANERA 168 VIA MEDIALUNA CAGUAS, PR 00727 | TRIPLE S SALUD, INC. | $1K | — | $1K | 2.50% |
| AVG INSURANCE GROUP, INC.3 Filed as: AVG INSURANCE GROUP, INC | 4510 SW 153 PL MIAMI, FL 33185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| AVG INSURANCE GROUP, INC.3 Filed as: AVG INSURANCE GROUP, INC | 4510 SW 153RD PL MIAMI, FL 33185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $924 | $924 | 5.00% |
| AVG INSURANCE GROUP, INC.3 | 4510 SW 153 PL MIAMI, FL 33185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $463 | $463 | 5.01% |
| AVG INSURANCE GROUP, INC.3 Filed as: AVG ISURANCE GROUP, INC | 4510 SW 153 PL MIAMI, FL 33185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $203 | — | $203 | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $68 | $68 | 5.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATION FEES | Contract Administrator; Plan Administrator Service code 13 | — | $47K |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $701K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $122K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $71K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $9K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 197 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 197 | $43K |
| Prescription drug | TRIPLE S SALUD, INC. | 8 | $51K |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 200 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.