| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $81K | $84K | 5.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST, SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $35K | $35K | 2.07% |
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA DENTAL HEALTH OF FL | $997 | $0 | $997 | 5.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF FL | $0 | $797 | $797 | 4.00% |
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 328536246 | VISION SERVICE PLAN | $1K | — | $1K | 5.64% |
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA DENTAL HEALTH OF MD | $83 | $0 | $83 | 4.99% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF MD | $0 | $67 | $67 | 4.03% |
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA DENTAL HEALTH OF MO | $24 | $0 | $24 | 5.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF MO | $0 | $19 | $19 | 3.97% |
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA DENTAL HEALTH OF KS | $23 | $0 | $23 | 5.10% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF KS | $0 | $18 | $18 | 3.99% |
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA DENTAL HEALTH OF OH | $17 | $0 | $17 | 5.03% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF OH | $0 | $14 | $14 | 4.14% |
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA DENTAL HEALTH OF VA | $13 | $0 | $13 | 5.12% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF VA | $0 | $10 | $10 | 3.94% |
| JAMES HUFSTETLER3 | P O BOX 536246 ORLANDO, FL 328536246 | CIGNA DENTAL HEALTH OF DE | $10 | $0 | $10 | 5.08% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH ST, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF DE | $0 | $8 | $8 | 4.06% |
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 | 87 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 87 | $1.7M |
| Dental(8 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 87 | $1.7M |
| Vision | VISION SERVICE PLAN | 48 | $19K |
| Life insurance | LIFE INSURANCE CO OF N AMERICA | 100 | $62K |
| Short-term disability | LIFE INSURANCE CO OF N AMERICA | 39 | $24K |
| Long-term disability | LIFE INSURANCE CO OF N AMERICA | 34 | $45K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.