| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, 3RD FLOOR FARMINGTON, CT 06032 | CONNECTICARE, INC. | $53K | $0 | $53K | 2.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS, INC. | $12K | $3K | $16K | 6.30% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $6K | $14K | 11.72% |
| TRICIA SHEA MARINKO3 | 3 SWEETBRIER LANE MONROE, CT 06468 | AFLAC | $4K | $591 | $5K | 6.63% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, 3RD FLOOR FARMINGTON, CT 06032 | AFLAC | $3K | $0 | $3K | 4.71% |
| MJ INSURANCE3 Filed as: KEVIN MCINERNEY AND VARIOUS AGENTS | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $2K | $222 | $2K | 3.29% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $1K | $0 | $1K | 1.75% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRACE CLIFFSIDE PARK, NJ 07010 | AFLAC | $1K | $7 | $1K | 1.68% |
| HILARY A BURNS3 Filed as: HILARY A. BURNS | 5 ASPETUCK LANE WESTPORT, CT 06880 | AFLAC | $1K | $7 | $1K | 1.63% |
| T R PAUL INC.3 Filed as: TR PAUL INC. | 14 COMMERCE ROAD NEWTOWN, CT 06470 | AFLAC | $616 | $0 | $616 | 0.88% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTICARE, INC. | 379 | $2.6M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS, INC. | 379 | $323K |
| Vision | ANTHEM HEALTH PLANS, INC. | 379 | $253K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 232 | $121K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 232 | $121K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 379 | $253K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 232 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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.