| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $79K | $82K | 5.00% |
| ROGERS BENEFIT GROUP INC | SUITE 234 5110 N 40TH STREET PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $34K | $34K | 2.07% |
| JAMES HUFSTETLER3 | SUITE A 501 N MAGNOLIA AV ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $1K | $14K | 21.72% |
| JAMES HUFSTETLER3 | SUITE A 501 N MAGNOLIA AV ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $589 | $9K | 21.48% |
| JAMES HUFSTETLER3 | SUITE A 501 N MAGNOLIA AV ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $429 | $6K | 21.66% |
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 32853 | CIGNA DENTAL HEALTH OF FL, INC | $932 | $0 | $932 | 5.00% |
| ROGERS BENEFIT GROUP INC | SUITE 234 5110 N 40TH STR PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF FL, INC | $0 | $746 | $746 | 4.01% |
| JAMES HUFSTETLER | SUITE A 501 N MAGNOLIA AV ORLANDO, FL 32801 | VISION SERVICE PLAN | $941 | $0 | $941 | 6.12% |
| JAMES HUFSTETLER3 | SUITE A 501 N MAGNOLIA AV ORLANDO, FL 32801 | LIFE INSURANCE CO OF NORTH AMERICA | $621 | $52 | $673 | 21.67% |
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 32853 | CIGNA DENTAL HEALTH OF MD, INC | $55 | $0 | $55 | 5.00% |
| ROGERS BENEFIT GROUP INC | SUITE 234 5110 N 40TH STREET PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF MD, INC | $0 | $44 | $44 | 4.00% |
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 32853 | CIGNA DENTAL HEALTH OF VA, INC | $30 | $0 | $30 | 4.98% |
| ROGERS BENEFIT GROUP INC Filed as: ROGERS BENEFIT GROUP | SUITE 234 5110 N 40TH STR PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF VA, INC | $0 | $24 | $24 | 3.99% |
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 32853 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $16 | $0 | $16 | 5.10% |
| ROGERS BENEFIT GROUP INC | SUITE 234 5110 N 40TH STREET PHOENIX, AZ 85018 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $0 | $13 | $13 | 4.14% |
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 32853 | CIGNA DENTAL HEALTH OF KANSAS INC | $16 | $0 | $16 | 5.10% |
| ROGERS BENEFIT GROUP INC Filed as: ROGERS BENEFIT GROUP | SUITE 234 5110 N 40TH STR PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF KANSAS INC | $0 | $13 | $13 | 4.14% |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 207 | $1.6M |
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 207 | $1.7M |
| Vision | VISION SERVICE PLAN | 116 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 296 | $63K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 111 | $26K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $40K |
| Other | LIFE INSURANCE CO OF NORTH AMERICA | 296 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.