| 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 | $21K | $18K | $40K | 2.28% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $20K | — | $20K | 5.02% |
| 360 CORP. BEN. ADVISORS3 | 1375 KINGS HIGHWAY EAST - SUITE 215 FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $22K | $2K | $24K | 13.27% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $5 | $9K | 15.01% |
| 360 CORP. BEN. ADVISORS3 | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | VISION SERVICE PLAN | $2K | — | $2K | 3.45% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP,LLC | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $178 | — | $178 | 14.96% |
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 | 364 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 248 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 792 | $401K |
| Vision | VISION SERVICE PLAN | 255 | $57K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 364 | $184K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 364 | $184K |
| Other(6 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 364 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 792 | — |
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."
No prospect flags tripped on this filing.