| 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 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $814 | $814 | 11.11% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | 218 TRADE ST., STE. G GREER, SC 29651 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 23.27% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH ST., STE. 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $790 | $790 | 11.64% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH ST., STE. 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $726 | $726 | 10.96% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | 218 TRADE ST., STE. G GREER, SC 29651 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 34.15% |
| ROGERS BENEFIT GROUP INC3 | 5110 N. 40TH ST., STE. 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $497 | $497 | 11.38% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | 218 TRADE ST., STE. G GREER, SC 29651 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $373 | — | $373 | 34.16% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH ST., STE. 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $124 | $124 | 11.36% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | 218 TRADE ST., STE. G GREER, SC 29651 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $211 | — | $211 | 23.55% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH ST., STE. 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $81 | $81 | 9.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF SC LLC | 218 TRADE ST., STE. G GREER, SC 29651 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38 | — | $38 | 33.93% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH ST., STE. 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $15 | $15 | 13.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA EIN 06-6033492 CONTRACT ADMINISTRATOR | Float revenue; Claims processing; Participant communication; Other services; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | — | $19K |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $5K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $7K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 94 | $13K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 371 | $77K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.
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.