| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST STE 215 FAIRFIELD, CT 06824 | TUFTS INSURANCE COMPANY | $39K | $6K | $45K | 3.49% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST STE 215 FAIRFIELD, CT 06824 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $17K | $2K | $19K | 3.47% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY | 1375 KINGS HIGHWAY EAST STE 215 FAIRFIELD, CT 06824 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $14K | — | $14K | 8.44% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LTD | 1375 KINGS HIGHWAY EAST STE 215 FAIRFIELD, CT 06824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 6.45% |
| STEPHEN NADEAU3 | 1375 KINGS HIGHWAY EAST STE 215 FAIRFIELD, CT 06824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $922 | — | $922 | 2.03% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LTD | 1375 KINGS HIGHWAY EAST STE 215 FAIRFIELD, CT 06824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $814 | $3K | 7.76% |
| STEPHEN NADEAU3 | 1375 KINGS HIGHWAY EAST STE 215 FAIRFIELD, CA 06824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $913 | — | $913 | 2.68% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LTD | 1375 KINGS HIGHWAY EAST STE 215 FAIRFIELD, CT 06824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $710 | $3K | 10.27% |
| STEPHEN NADEAU3 | 1375 KINGS HIGHWAY EAST STE 215 FAIRFIELD, CT 06824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.95% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GRP LTD | 1375 KINGS HIGHWAY STE 215 FAIRFIELD, CT 06824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $200 | $109 | $309 | 7.03% |
| STEPHEN NADEAU3 | 1375 KINGS HIGHWAY EAST STE 215 FAIRFIELD, CT 06824 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $100 | — | $100 | 2.28% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 231 | $1.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 361 | $171K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $30K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.