| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES HUFSTETLER3 | 501 N MAGNOLIA AV ORLANDO, FL 32801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $34K | $35K | 3.96% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST, SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $15K | $15K | 1.64% |
| JAMES HUFSTETLER3 | 501 N MAGNOLIA AVE ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NA | $8K | $0 | $8K | 20.00% |
| JAMES HUFSTETLER3 | 501 N MAGNOLIA AVE ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NA | $4K | $0 | $4K | 20.00% |
| JAMES HUFSTETLER3 | 501 N MAGNOLIA AV ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NA | $2K | $0 | $2K | 20.00% |
| JAMES HUFSTETLER3 | 501 N MAGNOLIA AVE ORLANDO, FL 32801 | VISION SERVICE PLAN | $643 | $0 | $643 | 8.09% |
| JAMES HUFSTETLER3 | 501 N MAGNOLIA AV ORLANDO, FL 32801 | CIGNA DENTAL HEALTH OF FLORIDA | $372 | $0 | $372 | 5.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF FLORIDA | $0 | $297 | $297 | 3.99% |
| JAMES HUFSTETLER3 | 501 N MAGNOLIA AVE ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NA | $218 | $0 | $218 | 19.98% |
| JAMES HUFSTETLER3 | 501 N MAGNOLIA AVE ORLANDO, FL 32801 | CIGNA DENTAL OF OHIO INC | $15 | $0 | $15 | 4.92% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL OF OHIO INC | $0 | $12 | $12 | 3.93% |
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 | 90 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 90 | $884K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 90 | $892K |
| Vision | VISION SERVICE PLAN | 52 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NA | 103 | $38K |
| Short-term disability | LIFE INSURANCE COMPANY OF NA | 46 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NA | 37 | $21K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 103 | $885K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.