| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUFSTETLER, JAMES3 | 501 N. MAGNOLIA ORLANDO, FL 32801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $33K | $35K | 5.09% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $18K | $18K | 2.59% |
| HUFSTETLER, JAMES3 | 501 N MAGNOLIA AVE ORLANDO, FL 32801 | LIFE INSURANCE CO. OF NORTH AMERICA | $7K | — | $7K | 18.25% |
| HUFSTETLER, JAMES3 | 501 N MAGNOLIA AVE ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 19.34% |
| HUFSTETLER, JAMES3 | 501 N MAGNOLIA AVE ORLANDO, FL 32801 | LIFE INSURANCE CO. OF NORTH AMERICA | $2K | — | $2K | 16.64% |
| HUFSTETLER, JAMES3 | 501 N MAGNOLIA AVE ORLANDO, FL 32801 | VISION SERVICE PLAN | $681 | — | $681 | 8.00% |
| HUFSTETLER, JAMES3 | 501 N. MAGNOLIA AV ORLANDO, FL 32801 | CIGNA DENTAL HEALTH OF FL | $314 | $0 | $314 | 5.07% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF FL | $0 | $251 | $251 | 4.05% |
| HUFSTETLER, JAMES3 | 501 N. MAGNOLIA AVE. ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $179 | — | $179 | 16.59% |
| HUFSTETLER, JAMES3 | 501 N. MAGNOLIA AV ORLANDO, FL 32801 | CIGNA DENTAL HEALTH OF OHIO | $14 | — | $14 | 4.90% |
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 | 85 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 85 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 85 | $685K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 85 | $691K |
| Vision | VISION SERVICE PLAN | 53 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 97 | $1K |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $754K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.