| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HWY E - SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS & BLUE SHIELD OF MASSACHUSETTS | $67K | $19K | $87K | 1.72% |
| VIATOR INTERNATIONAL LLC3 | 41B NEW LONDON TURNPIKE GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $66K | — | $66K | 5.62% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E-SUITE 215 FAIRFIELD, CT 06824 | BLUE CROSS & BLUE SHIELD OF MASSACHUSETTS | $18K | — | $18K | 4.98% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $3K | $37K | 10.75% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY E - SUITE 215 FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $47K | $5K | $52K | 15.55% |
| VIATOR INTERNATIONAL LLC3 | 41B NEW LONDON TURNPIKE GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 5.56% |
| VIATOR INTERNATIONAL LLC3 Filed as: VIATOR INTERNATIONAL, LLC | 41B NEW LONDON TURNPIKE GLASTONBURY, CT 06033 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 29.22% |
| 360 CORPORATE BENEFIT ADVISORS3 Filed as: 360 CORPORATE BENEFIT | 1375 KINGS HIGHWAY EAST - SUITE 215 FAIRFIELD, CT 06824 | VISION SERVICE PLAN | $1K | — | $1K | 4.58% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST - SUITE 215 FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $156 | $3K | 13.17% |
| 360 CORPORATE BENEFIT ADVISORS3 | 1375 KINGS HIGHWAY EAST - SUITE 215 FAIRFIELD, CT 06824 | HARTFORD LIFE AND ACCIDENT | $570 | — | $570 | 14.99% |
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 | 469 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF MASSACHUSETTS | 644 | $6.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 648 | $1.5M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $1.2M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 469 | $373K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 390 | $489K |
| Other(6 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 469 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 648 | — |
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.