| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | CONNECTICARE INC. | $76K | $25K | $101K | 2.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | HPHC INSURANCE COMPANY | $8K | — | $8K | 1.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $92 | $14K | 3.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | PO BOX 414965 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 2.11% |
| LIAZON BENEFITS INC | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $23 | $23 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 2.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB ROGAL & HAMILTON CO OF CT LLC | 185 ASYLUM ST 25TH FLOOR HARTFORD, CT 06103 | UNITED HEALTHCARE INSURANCE COMPANY | $332 | — | $332 | 0.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MASSACHUSETTS, INC. | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 1.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 16.57% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $132 | $132 | 0.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.02% |
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 | 391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CONNECTICARE INC. | 242 | $4.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $374K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 183 | $22K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 391 | $65K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 391 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.