| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $3K | $830 | $4K | 5.86% |
| SETH JASON KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $1K | $277 | $1K | 1.95% |
| NW W HARTFORD CT AGENCY3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $925 | $81 | $1K | 1.44% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $460 | $2K | 4.77% |
| SETH JASON KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $602 | $153 | $755 | 1.59% |
| NW W HARTFORD CT AGENCY3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $514 | $45 | $559 | 1.18% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | NORTHWESTERN MUTUAL | 198 | $47K |
| Long-term disability | NORTHWESTERN MUTUAL | 233 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.