| 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 | $65K | — | $65K | 12.22% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $22K | $22K | 4.08% |
| 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% |
| AVG INSURANCE GROUP, INC.3 | 4510 SW 153 PL MIAMI, FL 33185 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 9.88% |
| 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 | 4.12% |
| ANA AIZCORBE3 Filed as: ANA V. GONZALEZ | 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 | $8K | — | $8K | 21.68% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $640 | $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 | 21.68% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $510 | $275 | $785 | 5.00% |
| AVG INSURANCE GROUP, INC.3 | 4510 SW 153 PL MIAMI, FL 33185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 22.01% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $282 | $146 | $428 | 5.00% |
| AVG INSURANCE GROUP, INC.3 Filed as: AVG ISURANCE GROUP, INC | 4510 SW 153 PL MIAMI, FL 33185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $272 | — | $272 | 21.95% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41 | $21 | $62 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATION FEES | Plan Administrator; Contract Administrator Service code 13 | — | $22K |
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 | 169 | 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) | 169 | 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 | 167 | $574K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $108K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $62K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $9K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $16K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 174 | $45K |
| Prescription drug | TRIPLE S SALUD, INC. | 9 | $46K |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 174 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.