| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $42K | $42K | 2.12% |
| HEALTH INSURANCE SERVICES3 | 5640 W. MAPLE ST. SUITE 304 WEST BLOOMFIELD, MI 48322 | EXPRESS SCRIPTS, INC. | $5K | — | $5K | 5.93% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 19.99% |
| ION INSURANCE CORP3 Filed as: ION INSURANCE CORPORATION | 24 CHERRY STREET NAUGATUCK, CT 06770 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.37% |
| THE MCKELLAN GROUP3 | 1449 OLD WATERBURY RD, STE 201 SOUTHBURY, CT 06488 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 13.53% |
| HEALTH INSURANCE SERVICES3 | 5640 W. MAPLE ST. SUITE 304 WEST BLOOMFIELD, MI 48322 | UNITED AMERICAN INSURANCE COMPNAY | $8K | — | $8K | 12.69% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.69% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | 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 | 294 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 294 | $2.0M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 294 | $2.0M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $52K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $71K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 209 | $71K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 31 | $81K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.