| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 7.04% |
| PAGE E DEWITT3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 1.47% |
| DEWITT, PAGE E3 | 2211 EAST QUINCE MESA, AZ 85213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $216 | $5K | 14.54% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | SUITE 320 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 4.62% |
| DEWITT, PAGE E3 | 2211 EAST QUINCE MESA, AZ 85213 | UNUM INSURANCE COMPANY | $2K | $142 | $2K | 16.92% |
| DEWUTT, PAGE E3 | 2211 E QUINCE MESA, AZ 85213 | UNUM INSURANCE COMPANY | $2K | $173 | $2K | 15.62% |
| ROGERS BENEFIT GROUP INC3 | SUITE 234 5110 NORTH 40TH STREET PHOENIX, AZ 85018 | UNUM INSURANCE COMPANY | $571 | — | $571 | 4.74% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | SUITE 320 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, PA 19422 | UNUM INSURANCE COMPANY | — | $567 | $567 | 4.70% |
| DEWITT, PAGE E3 | 2211 EAST QUINCE MESA, AZ 85213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $81 | $2K | 14.73% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | SUITE 320 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $537 | $537 | 4.68% |
| DEWITT, PAGE E3 | 2211 EAST QUINCE MESA, AZ 85213 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $65 | $1K | 11.86% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | SUITE 320 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, PA 19422 | STARMOUNT LIFE INSURANCE COMPANY | — | $432 | $432 | 4.65% |
| DEWITT, PAGE E3 | 2211 EAST QUINCE MESA, AZ 85213 | UNUM INSURANCE COMPANY | $1K | $50 | $1K | 14.75% |
| DEWITT, PAGE E3 | 2211 EAST QUINCE MESA, AZ 85213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $341 | $25 | $366 | 9.74% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | SUITE 320 1787 SENTRY PARKWAY WEST VEVA 16 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $171 | $171 | 4.55% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 71 | $170K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 71 | $170K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 60 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $35K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $11K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 139 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.