| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | AMERICAN FIDELITY ASSURANCE COMPANY | $23K | — | $23K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GREAT WEST HEALTHCARE/CIGNA EIN 84-0467907 NONE | Contract Administrator; Consulting (general); Plan Administrator; Direct payment from the plan; Participant communication; Other services Service code 13 | — | $94K |
| KEY BENEFIT ADMINISTRATORS, INC. EIN 35-1450364 NONE | Other services; Contract Administrator; Plan Administrator; Participant communication; Consulting (general); Direct payment from the plan Service code 13 | — | $92K |
| AMERICAN HEALTH DATA INSTITUTE EIN 35-2048379 NONE | Contract Administrator; Plan Administrator; Participant communication; Direct payment from the plan; Other services; Consulting (general) Service code 13 | — | $64K |
| ROGERS BENEFIT GROUP, INC. EIN 41-1596522 NONE | Consulting (general); Participant communication; Direct payment from the plan; Plan Administrator; Contract Administrator; Other services Service code 13 | — | $3K |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 46 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN FIDELITY ASSURANCE COMPANY | 419 | $583K |
| Prescription drug | AMERICAN FIDELITY ASSURANCE COMPANY | 419 | $583K |
| Other | MHN SERVICES, LLC | 570 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.