| 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 | $204K | $18K | $223K | 3.26% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $22K | — | $22K | 4.99% |
| 360 CORP. BEN. ADVISORS3 | 1375 KINGS HIGHWAY EAST - SUITE 215 FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $27K | $2K | $29K | 12.89% |
| 360 CORP. BEN. ADVISORS3 | 1375 KINGS HIGHWAY EAST-SUITE 215 FAIRFIELD, CT 06824 | VISION SERVICE PLAN | $2K | — | $2K | 3.34% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.02% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP,LLC | 1375 KINGS HIGHWAY E - #215 FAIRFIELD, CT 06824 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LLC | 1375 KINGS HIGHWAY, SUITE 215 FAIRFIELD, CT 06824 | AETNA INTERNATIONAL | $443 | — | $443 | 14.99% |
| LAMBERT MONTALBO3 Filed as: LAMBERT & CARNEY BENEFITS GROUP LLC | 1375 KINGS HIGHWAY E215 FAIRFIELD, CT 06824 | FEDERAL INSURANCE COMPANY | $263 | — | $263 | 15.03% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST, SUITE 215 FAIRFIELD, CT 06824 | GERBER LIFE & ACCIDENT INSURANCE COMPANY | $126 | — | $126 | 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 | 369 | 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) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 1,237 | $6.8M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 889 | $440K |
| Vision | VISION SERVICE PLAN | 300 | $62K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 369 | $226K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 369 | $226K |
| Other(7 contracts, 6 carriers) | HARTFORD LIFE AND ACCIDENT | 369 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,237 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.