| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONNECTICARE, INC. | $7K | $43K | $50K | 3.21% |
| LOCKTON COMPANIES, LLC3 | 195 SCOTT SWAMP ROAD, SUITE 201 FARMINGTON, CT 06790 | CONNECTICARE INSURANCE COMPANY, INC. | $8K | — | $8K | 7.00% |
| SCOTT M. SUTHERLAND3 | 1449 OLD WATERBURY ROAD, SUITE 201 SOUTHBURY, CT 06488 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 16.20% |
| LOCKTON COMPANIES, LLC3 | PO BOX 3207 BOSTON, MA 02241 | EYEMED VISION CARE | $1K | — | $1K | 9.05% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 291 | $1.6M |
| Dental | CONNECTICARE INSURANCE COMPANY, INC. | 295 | $109K |
| Vision | EYEMED VISION CARE | 197 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 142 | $75K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 142 | $75K |
| Prescription drug | CONNECTICARE, INC. | 291 | $1.6M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 161 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.