| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S ANDREWS | 4 FOREST PARK DRIVE FARMINGTON, CT 06032 | HORIZON HEALTHCARE SERVICES INC | $98K | $0 | $98K | 3.06% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S ANDREWS | 4 FOREST PARK DRIVE FARMINGTON, CT 06032 | HORIZON HEALTHCARE SERVICES INC | $15K | $0 | $15K | 2.87% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S ANDREWS | PO BOX 466 FARMINGTON, CT 06034 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.07% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $0 | $9K | $9K | 3.97% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S ANDREWS | PO BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 5.29% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 5.00% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S ANDREWS | PO BOX 466 FARMINGTON, CT 06034 | AMERITAS LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| CHRISTINE ANDREWS3 Filed as: CHRISTINE S ANDREWS | PO BOX 466 FARMINGTON, CT 06034 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $205 | $0 | $205 | 12.02% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $85 | $85 | 4.98% |
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 | 508 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 508 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC | 301 | $3.2M |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 276 | $229K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 508 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 214 | $70K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 77 | $514K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 474 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 508 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.