| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRACY-DRISCOLL AND CO. INC.3 Filed as: TRACY-DRISCOLL CO., INC | 126 MAIN STREET BRISTOL, CT 06010 | CONNECTICARE INSURANCE COMPANY, INC. | — | $56K | $56K | 3.00% |
| TRACY-DRISCOLL AND CO. INC.3 Filed as: TRACY-DRISCOLL CO., INC. | 126 MAIN STREET BRISTOL, CT 06010 | CONNECTICARE | $8K | — | $8K | 4.39% |
| TRACY-DRISCOLL AND CO. INC.3 Filed as: TRACY-DRISCOLL CO., INC | 126 MAIN STREET BRISTOL, CT 06010 | GUARDIAN | $4K | — | $4K | 3.09% |
| SCOTT M. SUTHERLAND3 Filed as: SCOTT M SITHERLAND | 1449 OLD WATERBURY ROAD SUITE 201 SOUTHBURY, CT 06488 | HARTFORD LIFE AND ACCIDENT | $15K | — | $15K | 17.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | EYEMED | $618 | — | $618 | 4.39% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTICARE INSURANCE COMPANY, INC. | 297 | $2.1M |
| Dental | GUARDIAN | 170 | $126K |
| Vision | EYEMED | 210 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 166 | $83K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 166 | $83K |
| Prescription drug | CONNECTICARE | 31 | $173K |
| Other(3 contracts, 3 carriers) | CONNECTICARE | 187 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.