| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 231 WHITNEY AVE HAMDEN, CT 06518 | ANTHEM BLUE CROSS BLUE SHIELD | $76K | — | $76K | 1.59% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CT LLC | 231 WHITNEY AVE HAMDEN, CT 06518 | ANTHEM BLUE CROSS BLUE SHIELD | $36K | — | $36K | 8.73% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 10 STATE HOUSE SQUARE HARTFORD, CT 06103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 6.27% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $85 | $85 | 0.03% |
| LINDBERG & RIPPLE INC3 Filed as: LINDBERG AND RIPPLE | 29 SOUTH MAIN ST WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $1K | $5K | 15.62% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS | 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $438 | $438 | 1.31% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNCILMAN MICHAELS AND DOWNS | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $125 | $9 | $134 | 0.40% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $19 | $19 | 0.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 10 STATE HOUSE SQUARE HARTFORD, CT 06103 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 10.80% |
| LINDBERG & RIPPLE INC3 Filed as: LINDBERG AND RIPPLE | 29 SOUTH MAIN ST WEST HARTFORD, CT 06017 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $2K | — | $2K | 14.08% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| CARL J. PETERSON3 | 29 SOUTH MAIN ST WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $793 | — | $793 | 17.95% |
| LINDBERG & RIPPLE INC3 Filed as: LINDBERG AND RIPPLE | 29 SOUTH MAIN ST WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $110 | — | $110 | 2.49% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $92 | — | $92 | 2.08% |
| CARL J. PETERSON3 | 29 S MAIN ST SUITE 215 WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $381 | — | $381 | 17.29% |
| LINDBERG & RIPPLE INC3 Filed as: LINDBERG AND RIPPLE | 29 SOUTH MAIN ST SUITE 215 WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $65 | — | $65 | 2.95% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS, INC. | 1125 NW COUCH ST SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $44 | — | $44 | 2.00% |
| LINDBERG & RIPPLE INC3 Filed as: LINDBERG AND RIPPLE | 29 SOUTH MAIN STREET WEST HARTFORD, CT 06107 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $670 | — | $670 | 30.40% |
| M FINANCIAL HOLDINGS INC3 | 1125 NW COUCH ST PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $20 | — | $20 | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SVS INC | TWO PIERCE PL ITASCA, IL 60143 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $20 | — | $20 | 4.67% |
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 | 432 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHIELD | 313 | $4.8M |
| Dental | ANTHEM BLUE CROSS BLUE SHIELD | 327 | $412K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 432 | $27K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 406 | $261K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 406 | $261K |
| Long-term disability(7 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 406 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.