| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N. 40TH ST. STE 243 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $37K | $37K | 3.43% |
| COWART INSURANCE GROUP, INC.3 Filed as: COWART INSURANCE GROUP | 139 DRAYTON ST. SAVANNAH, GA 31401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 1.26% |
| COWART INSURANCE GROUP, INC.3 Filed as: COWART INSURANCE GROUP INC | 139 DRAYTON ST. SAVANNAH, GA 314013745 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 9.98% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC-CORPORATE | 5110 N 40TH ST, STE 234 PHOENIX, AZ 850182151 | HUMANA INSURANCE COMPANY | $26 | — | $26 | 0.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COWART INSURANCE GROUP, INC. EIN 58-2019069 BROKER | Insurance brokerage commissions and fees Service code 53 | 139 DRAYTON ST. SAVANNAH, GA 31401 | $112K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 INSURER | Insurance services Service code 23 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $96K |
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 | 203 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $1.1M |
| Vision | HUMANA INSURANCE COMPANY | 197 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.