| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 CORP. BEN. ADVISORS3 Filed as: 360 CORP. BENEFIT ADVISORS | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $49K | $29K | $78K | 2.12% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $21K | — | $21K | 4.98% |
| 360 CORP. BEN. ADVISORS3 | 1375 KINGS HIGHWAY EAST - SUITE 215 FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $22K | — | $22K | 12.08% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $467 | $10K | 15.77% |
| 360 CORP. BEN. ADVISORS3 | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | VISION SERVICE PLAN | $2K | — | $2K | 3.62% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LLC | 1375 KINGS HIGHWAY, SUITE 215 FAIRFIELD, CT 06824 | AETNA INTERNATIONAL | $443 | — | $443 | 14.99% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 15.02% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 565 | $3.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 835 | $422K |
| Vision | VISION SERVICE PLAN | 274 | $54K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 353 | $183K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 353 | $183K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 353 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 835 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.