| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUTLLC | 185 ASYLUM ST HARTFORD, CT 061033708 | CONNECTICARE, INC. | $72K | $25K | $97K | 2.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 185 ASYLUM ST HARTFORD, CT 060133708 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 2.01% |
| MW FINANCIAL GROUP LTD3 Filed as: MW FINANCIAL | 197 SCOTT SWAMP ROAD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $158 | — | $158 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 185 ASYLUM ST HARTFORD, CT 061033708 | HPHC INSURANCE COMPANY | — | $10K | $10K | 2.86% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 185 ASYLUM ST HARTFORD, CT 061033708 | HARVARD PILGRIM HEALTH CARE | $6K | — | $6K | 2.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 100 NORTHFIELD DR 3RD FLOOR WINDSOR, CT 06095 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 3.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 185 ASYLUM ST HARTFORD, CT 061033708 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 022414965 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 185 ASYLUM ST HARTFORD, CT 061033708 | SUN LIFE ASSURANCE COMPANY OF CANADA | $438 | — | $438 | 19.85% |
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 | 387 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CONNECTICARE, INC. | 296 | $4.3M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 171 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 387 | $75K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 320 | $2K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 387 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.