| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $33K | $35K | 5.00% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $14K | $14K | 2.08% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | LIFE INSURANCE COMPANY OF NA | $7K | $0 | $7K | 21.82% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | LIFE INSURANCE COMPANY OF NA | $4K | $0 | $4K | 21.78% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | LIFE INSURANCE COMPANY OF NA | $2K | $0 | $2K | 21.59% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | VISION SERVICE PLAN | $604 | $0 | $604 | 6.65% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $360 | $0 | $360 | 5.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $0 | $288 | $288 | 4.00% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | LIFE INSURANCE COMPANY OF NA | $235 | — | $235 | 21.62% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | CIGNA DENTAL HEALTH OF OHIO, INC. | $16 | $0 | $16 | 4.97% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF OHIO, INC. | $0 | $13 | $13 | 4.04% |
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 | 82 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 82 | $693K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 82 | $693K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 82 | $693K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.