| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | CONNECTICARE, INC. | $59K | $19K | $77K | 2.96% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 8.79% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS, INC. | $8K | $139 | $9K | 11.10% |
| LAURA ROTHENHAUSEN3 Filed as: LAURA ROTHENHAUSEN & OTHER AGENTS | 130 PAINTER ROAD SOUTHBURY, CT 06488 | AFLAC | $1K | $0 | $1K | 2.52% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | AFLAC | $902 | $0 | $902 | 1.85% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE #B GLASTONBURY, CT 06033 | AFLAC | $880 | $0 | $880 | 1.80% |
| TRICIA SHEA MARINKO3 | 3 SWEETBRIER LANE MONROE, CT 06468 | AFLAC | $733 | $0 | $733 | 1.50% |
| T R PAUL INC.3 Filed as: T. R. PAUL INC. | 555 HERITAGE ROAD, SUITE LL SOUTHBURY, CT 06488 | AFLAC | $449 | $0 | $449 | 0.92% |
| JUSTIN GRIFFEY3 | 7 MICHELE DRIVE CARLISLE, PA 17013 | AFLAC | $408 | $0 | $408 | 0.84% |
| KEVIN R MCINERNEY3 Filed as: KEVIN R. MCINERNEY | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $259 | $0 | $259 | 0.53% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 255 | $2.6M |
| Dental | AFLAC | 41 | $49K |
| Vision | ANTHEM HEALTH PLANS, INC. | 241 | $77K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $120K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $120K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 231 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.