| 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 | $9K | $3K | $12K | 9.37% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | ANTHEM HEALTH PLANS, INC. | $8K | $135 | $8K | 10.48% |
| HILARY A BURNS3 Filed as: HILARY A. BURNS AND OTHER AGENTS | 3 MARSH COURT WESTPORT, CT 06880 | AFLAC | $1K | $0 | $1K | 2.87% |
| CHRISTOPHER S AUSTERMANN3 Filed as: CHRISTOPHER S. AUSTERMANN | 41 NEW LONDON TURNPIKE, SUITE B GLASTONBURY, CT 06033 | AFLAC | $765 | $0 | $765 | 1.75% |
| LOCKTON COMPANIES, LLC3 | 65 MEMORIAL ROAD, SUITE 100 WEST HARTFORD, CT 06107 | AFLAC | $713 | $0 | $713 | 1.63% |
| TRICIA SHEA MARINKO3 | 3 SWEETBRIER LANE MONROE, CT 06468 | AFLAC | $686 | $0 | $686 | 1.57% |
| T R PAUL INC.3 Filed as: T R PAUL, INC. | 555 HERITAGE ROAD, SUITE LL SOUTHBURY, CT 06488 | AFLAC | $404 | $0 | $404 | 0.92% |
| JUSTIN GRIFFEY3 | 7 MICHELE DRIVE CARLISLE, PA 17013 | AFLAC | $370 | $0 | $370 | 0.85% |
| LAURA ROTHENHAUSEN3 | 130 PAINTER ROAD SOUTHBURY, CT 06488 | AFLAC | $244 | $0 | $244 | 0.56% |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 14 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 247 | $2.5M |
| Dental | AFLAC | 39 | $44K |
| Vision | ANTHEM HEALTH PLANS, INC. | 258 | $79K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $131K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $131K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.