| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | CONNECTICARE, INC. | $56K | $0 | $56K | 2.25% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 8.54% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS, INC. | $12K | $141 | $13K | 16.02% |
| HILARY A BURNS3 Filed as: HILARY BURNS AND OTHER AGENTS | 5 ASPETUCK LANE WESTPORT, CT 06880 | AFLAC | $1K | $0 | $1K | 2.37% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | AFLAC | $962 | $0 | $962 | 1.87% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER AUSTERMANN | 41 NEW LONDON TURNPIKE, SUITE B GLASTONBURY, CT 06033 | AFLAC | $912 | $0 | $912 | 1.77% |
| TRICIA SHEA MARINKO3 Filed as: TRICIA MARINKO | 3 SWEETBRIER LANE MONROE, CT 06468 | AFLAC | $783 | $0 | $783 | 1.52% |
| T R PAUL INC.3 Filed as: T R PAUL, INC. | 555 HERITAGE ROAD, SUITE LL SOUTHBURY, CT 06488 | AFLAC | $459 | $0 | $459 | 0.89% |
| JUSTIN GRIFFEY3 | 7 MICHELE DRIVE CARLISLE, PA 17013 | AFLAC | $423 | $0 | $423 | 0.82% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $278 | $0 | $278 | 0.54% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 274 | $2.5M |
| Dental | AFLAC | 44 | $52K |
| Vision | ANTHEM HEALTH PLANS, INC. | 261 | $78K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $122K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $122K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.