| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUFSTETLER, JAMES3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA HEALTH AND LIFE INSURANCE CO AND AFFILIATES (CIGNA) | $3K | $101K | $104K | 5.12% |
| ROGERS BENEFIT GROUP INC | 5110 N 40TH STREET PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE CO AND AFFILIATES (CIGNA) | $0 | $42K | $42K | 2.06% |
| HUFSTETLER, JAMES3 | P O BOX 536246 ORLANDO, FL 328536246 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 20.00% |
| HUFSTETLER, JAMES3 | P O BOX 536246 ORLANDO, FL 328536246 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 20.00% |
| HUFSTETLER, JAMES3 | P O BOX 536246 ORLANDO, FL 328536246 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 20.00% |
| HUFSTETLER, JAMES3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA DENTAL HEALTH OF FLORIDA, INC | $983 | $0 | $983 | 5.00% |
| ROGERS BENEFIT GROUP INC | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF FLORIDA, INC | $0 | $786 | $786 | 4.00% |
| HUFSTETLER, JAMES3 | P O BOX 536246 ORLANDO, FL 328536246 | VISION SERVICE PLAN | $1K | — | $1K | 5.69% |
| HUFSTETLER, JAMES3 | P O BOX 536246 ORLANDO, FL 328536246 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $647 | $0 | $647 | 19.99% |
| HUFSTETLER, JAMES3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA DENTAL HEALTH OF MARYLAND, INC | $84 | $0 | $84 | 5.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF MARYLAND, INC | $0 | $67 | $67 | 3.99% |
| HUFSTETLER, JAMES3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $17 | $0 | $17 | 4.97% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $0 | $14 | $14 | 4.09% |
| HUFSTETLER, JAMES3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $17 | $0 | $17 | 4.97% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $0 | $14 | $14 | 4.09% |
| HUFSTETLER, JAMES3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | $6 | $0 | $6 | 5.26% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF DELAWARE, INC. | $0 | $5 | $5 | 4.39% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF OHIO, INC. | $0 | $1 | $1 | 3.57% |
| HUFSTETLER, JAMES3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA DENTAL HEALTH OF OHIO, INC. | $1 | $0 | $1 | 3.57% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE CO AND AFFILIATES (CIGNA) | 224 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO AND AFFILIATES (CIGNA) | 224 | $2.0M |
| Vision | VISION SERVICE PLAN | 134 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.