| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE | P O BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $55K | $55K | 3.17% |
| MARGRIT A VONKAMPER-BILIN3 Filed as: MARGRIT A VONKAMPEN-BILINSKI | 7330 E. CONQUIST DRIVE SCOTTSDALE, AZ 85255 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $32K | $37K | 2.13% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH STREET, SUITE 234 PHOENIZ, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $13K | $13K | 0.75% |
| USI INSURANCE SERVICES LLC Filed as: USI INSURANCE | P O BOX 62689 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 5.65% |
| MARGRIT A VONKAMPER-BILIN3 Filed as: MARGRIT A VONKAMPEN-BILINSKI | P O BOX 13898 SCOTTSDALE, NY 852673898 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 4.35% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $602 | $4K | 3.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 SERVICE PROVIDER | Other insurance fees and expenses; Insurance services Service code 23 | — | $0 |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $1.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $128K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $128K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $128K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.