| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 Filed as: EMEROSN ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $78K | $78K | 1.96% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR | 669 RIV DRIVE, COURT II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $77K | $77K | 1.94% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST BUILDING 16, SUITE 300 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $40K | $40K | 0.99% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $0 | $33K | 9.71% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 5.82% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $610 | $17K | $18K | 5.18% |
| ROGERS BENEFIT GROUP INC3 Filed as: EMEROSN ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8K | $8K | 2.34% |
| ROGERS BENEFIT GROUP INC3 Filed as: EMEROSN ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 5.00% |
| MY BENEFIT ADVISOR LLC3 | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 2.87% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST SUITE 320 BLLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 2.13% |
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 | 327 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 440 | $4.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 977 | $239K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 977 | $239K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 327 | $341K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 327 | $341K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 327 | $341K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 440 | $4.0M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 327 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 977 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.