| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ENTERPRISES TEAM INC3 | P.O. BOX 195579 WINTER SPRINGS, FL 32719 | CIGNA HEALTH AND LIFE INSURANCE | $20K | $110K | $130K | 5.91% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH ST STE 234 PHOENIX, AZ 850182151 | CIGNA HEALTH AND LIFE INSURANCE | — | $50K | $50K | 2.30% |
| JAMES HUFSTETLER3 | PO BOX 536246 ORLANDO, FL 328536246 | CIGNA HEALTH AND LIFE INSURANCE | -$53 | -$27 | -$80 | -0.00% |
| SEE ATTACHED LIST3 | P. O. BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | $2K | $24K | 24.83% |
| JAMES L HUFSTETLER3 | 501 N MAGNOLIA AVE STE A ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 13.64% |
| THE ENTERPRISES TEAM INC3 | P.O. BOX 195579 WINTER SPRINGS, FL 32719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $458 | — | $458 | 1.36% |
| JAMES L HUFSTETLER3 | 501 N MAGNOLIA AVE STE A ORLANDO, FL 32801 | INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.97% |
| THE ENTERPRISES TEAM INC3 | P.O. BOX 195579 WINTER SPRINGS, FL 32719 | INSURANCE COMPANY OF NORTH AMERICA | $865 | — | $865 | 2.89% |
| JAMES HUFSTETLER3 | 501 N MAGNOLIA AVE STE A ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.69% |
| THE ENTERPRISES TEAM INC3 | 501 N MAGNOLIA AVE STE A ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $767 | — | $767 | 2.73% |
| JAMES L HUFSTETLER3 | 501 N MAGNOLIA AVE STE A ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $468 | — | $468 | 10.88% |
| THE ENTERPRISES TEAM INC3 | P.O. BOX 195579 WINTER SPRINGS, FL 32719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $118 | — | $118 | 2.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 HLTH,DTL,VIS PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $101K |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 218 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE | 218 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE | 218 | $2.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 259 | $34K |
| Short-term disability | INSURANCE COMPANY OF NORTH AMERICA | 0 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $28K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE | 218 | $2.2M |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 259 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.