| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MASS FNCL SVCS INS AGCY INC3 Filed as: MASS FINANCIAL SVCS INS AGENCY, INC | 1 WASHINGTON MALL STE 800 BOSTON, MA 021082618 | HARTFORD LIFE AND ACCIDENT | $12K | $183 | $12K | 13.58% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 303395946 | HARTFORD LIFE AND ACCIDENT | $1K | $221 | $2K | 1.89% |
| E P AMATA3 | 153 CORNERSTONE DR SOUTH WINDSOR, CT 06074 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 1.63% |
| BLUE BACK, LLC3 Filed as: BLUE BACK LLC | 100 ALLYN STREET HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | -$4 | — | -$4 | -0.00% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 7.51% |
| SETH JASON KALKSTEIN3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $412 | $2K | 2.50% |
| NM WEST HARTFORD LLC3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $1K | $157 | $1K | 1.79% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $3K | $666 | $3K | 4.41% |
| SETH JASON KALKSTEIN3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $880 | $222 | $1K | 1.47% |
| NM WEST HARTFORD LLC3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $704 | $85 | $789 | 1.05% |
| MASS FNCL SVCS INS AGCY INC3 Filed as: MASS FINANCIAL SVCS INS AGENCY, INC | 1 WASHINGTON MALL STE 800 BOSTON, MA 021082618 | VISION SERVICE PLAN | $2K | — | $2K | 5.58% |
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 | 287 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 173 | $30K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 290 | $88K |
| Short-term disability | NORTHWESTERN MUTUAL | 271 | $75K |
| Long-term disability | NORTHWESTERN MUTUAL | 287 | $82K |
| Other | HARTFORD LIFE AND ACCIDENT | 290 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.