| 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 | $6K | $1K | $7K | 7.42% |
| PIZZUTI GROUP LLC3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $185 | $2K | 1.77% |
| SETH JASON KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $260 | $66 | $326 | 0.33% |
| MASS FIN. SVCS. INS. AGENCY, INC.3 | 1 WASHINGTON MALL, SUITE 800 BOSTON, MA 02108 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 8.11% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $2K | $212 | $2K | 1.78% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 1.56% |
| MASS FIN. SVCS. INS. AGENCY, INC.3 | 1 WASHINGTON MALL, SUITE 800 BOSTON, MA 02108 | VISION SERVICE PLAN | $2K | $0 | $2K | 6.49% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | 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 | 176 | $27K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 281 | $97K |
| Short-term disability | NORTHWESTERN MUTUAL | 271 | $98K |
| Long-term disability | NORTHWESTERN MUTUAL | 271 | $98K |
| Other | HARTFORD LIFE AND ACCIDENT | 281 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.