| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $110K | $117K | 3.95% |
| VON KAMPEN-BILINSKI, MARGRIT3 | 7330 EAST CONQUISTADORS DRIVE SCOTTSDALE, AZ 85255 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $42K | $47K | 1.58% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $19K | $19K | 0.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 1.97% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62949 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN INC | $3K | — | $3K | 1.95% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.32% |
| MARGRIT A VONKAMPER-BILIN3 | 7330 EAST CONQUISTADORES DRIVE SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $823 | — | $823 | 1.68% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $823 | $823 | 1.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.30% |
| MARGRIT A VONKAMPER-BILIN3 | 7330 EAST CONQUISTADORES DRIVE SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $756 | — | $756 | 1.70% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $756 | $756 | 1.70% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.32% |
| MARGRIT A VONKAMPER-BILIN3 | 7330 EAST CONQUISTADORES DRIVE SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $698 | — | $698 | 1.68% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $698 | $698 | 1.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | — | $2K | 7.54% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.32% |
| MARGRIT A VONKAMPER-BILIN3 Filed as: MARGRIT A VONKAMPEN-BILIN | 7330 EAST CONQUISTADORES DRIVE SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $510 | — | $510 | 1.68% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $510 | $510 | 1.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $367 | — | $367 | 3.67% |
| VON KAMPEN-BILINSKI, MARGRIT3 | 7330 EAST CONQUISTADORS DRIVE SCOTTSDALE, AZ 85255 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $266 | — | $266 | 2.66% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $133 | $133 | 1.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $315 | — | $315 | 3.67% |
| VON KAMPEN-BILINSKI, MARGRIT3 | 7330 EAST CONQUISTADORS DRIVE SCOTTSDALE, AZ 85255 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $228 | — | $228 | 2.66% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $114 | $114 | 1.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $181 | — | $181 | 3.66% |
| VON KAMPEN-BILINSKI, MARGRIT3 | 7330 EAST CONQUISTADORS DRIVE SCOTTSDALE, AZ 85255 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $131 | — | $131 | 2.65% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $66 | $66 | 1.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $137 | — | $137 | 3.32% |
| MARGRIT A VONKAMPER-BILIN3 | 7330 EAST CONQUISTADORES DRIVE SCOTTSDALE, AZ 85255 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $69 | — | $69 | 1.67% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $69 | $69 | 1.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $123 | — | $123 | 3.67% |
| VON KAMPEN-BILINSKI, MARGRIT3 | 7330 EAST CONQUISTADORS DRIVE SCOTTSDALE, AZ 85255 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $89 | — | $89 | 2.66% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $45 | $45 | 1.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $72 | — | $72 | 3.68% |
| VON KAMPEN-BILINSKI, MARGRIT3 | 7330 EAST CONQUISTADORS DRIVE SCOTTSDALE, AZ 85255 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $52 | — | $52 | 2.65% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $26 | $26 | 1.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $57 | — | $57 | 3.68% |
| VON KAMPEN-BILINSKI, MARGRIT3 | 7330 EAST CONQUISTADORS DRIVE SCOTTSDALE, AZ 85255 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $41 | — | $41 | 2.64% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $21 | $21 | 1.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $54 | — | $54 | 3.67% |
| VON KAMPEN-BILINSKI, MARGRIT3 | 7330 EAST CONQUISTADORS DRIVE SCOTTSDALE, AZ 85255 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $39 | — | $39 | 2.65% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF COLORADO, INC. | — | $20 | $20 | 1.36% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $37 | — | $37 | 3.62% |
| VON KAMPEN-BILINSKI, MARGRIT3 | 7330 EAST CONQUISTADORS DRIVE SCOTTSDALE, AZ 85255 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $27 | — | $27 | 2.64% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $14 | $14 | 1.37% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $36 | — | $36 | 3.67% |
| VON KAMPEN-BILINSKI, MARGRIT3 | 7330 EAST CONQUISTADORS DRIVE SCOTTSDALE, AZ 85255 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $26 | — | $26 | 2.65% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | — | $13 | $13 | 1.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH OF OHIO, INC. | $28 | — | $28 | 3.61% |
| VON KAMPEN-BILINSKI, MARGRIT3 | 7330 EAST CONQUISTADORS DRIVE SCOTTSDALE, AZ 85255 | CIGNA DENTAL HEALTH OF OHIO, INC. | $21 | — | $21 | 2.71% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $10 | $10 | 1.29% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $25 | — | $25 | 3.60% |
| VON KAMPEN-BILINSKI, MARGRIT3 | 7330 EAST CONQUISTADORS DRIVE SCOTTSDALE, AZ 85255 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $18 | — | $18 | 2.59% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | — | $9 | $9 | 1.30% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 299 | $3.6M |
| Dental(12 contracts, 12 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 299 | $3.0M |
| Vision | VISION SERVICE PLAN | 238 | $33K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 430 | $86K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 364 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 364 | $30K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 430 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.