| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES HUFSTETLER3 | 5751 MASTERS BLVD ORLANDO, FL 32819 | CIGNA HEALTH AND LIFE INSURANGE COMPANY AND AND AFFILIATES | $2K | $34K | $36K | 4.96% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STR, SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANGE COMPANY AND AND AFFILIATES | $0 | $15K | $15K | 2.07% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 19.53% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 20.00% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 20.00% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | VISION SERVICE PLAN | $788 | — | $788 | 7.12% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $361 | $0 | $361 | 5.00% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N 40TH STR, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $0 | $289 | $289 | 4.01% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $228 | $0 | $228 | 20.00% |
| JAMES HUFSTETLER3 | 5721 MASTERS BLVD ORLANDO, FL 32819 | CIGNA DENTAL HEALTH OF OHIO, INC | $16 | $0 | $16 | 5.03% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 N 40TH STR, SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF OHIO, INC | $0 | $13 | $13 | 4.09% |
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 | 92 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANGE COMPANY AND AND AFFILIATES | 92 | $727K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANGE COMPANY AND AND AFFILIATES | 92 | $735K |
| Vision | VISION SERVICE PLAN | 72 | $11K |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $59K |
| Other | CIGNA HEALTH AND LIFE INSURANGE COMPANY AND AND AFFILIATES | 92 | $727K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.