| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | CONNECTICARE, INC. | $57K | $12K | $69K | 2.72% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS, INC. | $12K | $2K | $14K | 5.35% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $3K | $11K | 10.12% |
| MJ INSURANCE3 Filed as: KEVIN R. MCINERNEY & VARIOUS AGENTS | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $2K | $0 | $2K | 2.66% |
| TRICIA SHEA MARINKO3 | 3 SWEETBRIER LANE MONROE, CT 06468 | AFLAC | $1K | $440 | $2K | 2.45% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | AFLAC | $1K | $0 | $1K | 2.01% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 148 EASTERN BOULEVARD GLASTONBURY, CT 06033 | AFLAC | $1K | $0 | $1K | 1.71% |
| JUSTIN GRIFFEY3 | 444 ONCREST TERRANCE CLIFFSIDE PARK, NJ 07010 | AFLAC | $550 | $103 | $653 | 0.98% |
| T R PAUL INC.3 Filed as: TR PAUL INC. | 555 HERITAGE ROAD, SUITE LL SOUTHBURY, CT 06488 | AFLAC | $578 | $0 | $578 | 0.87% |
| HILARY A BURNS3 Filed as: HILARY A. BURNS | 5 ASPETUCK LANE WESTPORT, CT 06880 | AFLAC | $391 | $103 | $494 | 0.74% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTICARE, INC. | 371 | $2.8M |
| Dental(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS, INC. | 371 | $326K |
| Vision | ANTHEM HEALTH PLANS, INC. | 371 | $260K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $107K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $107K |
| Prescription drug | ANTHEM HEALTH PLANS, INC. | 371 | $260K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 185 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.