| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LLC | 1375 KINGS HIGHWAY EAST FAIRFIELD, CT 06824 | DELTA DENTAL OF MASSACHUSETTS | $17K | — | $17K | 5.01% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY GROUP | 1375 KINGS HWY E-SUITE 215 FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $2K | $34K | 13.25% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LLC | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $266 | $6K | 15.84% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP | 1375 KINGS HWY E - SUITE 215 FAIRFIELD, CT 06824 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LLC | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | EYEMED VISION CARE | $1K | — | $1K | 10.00% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LLC | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | EYEMED VISION CARE | $2 | — | $2 | 9.09% |
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 | 404 | 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) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 277 | $105K |
| Dental | DELTA DENTAL OF MASSACHUSETTS | 617 | $342K |
| Vision(2 contracts) | EYEMED VISION CARE | 254 | $13K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 419 | $319K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 419 | $283K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 419 | $283K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 419 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.