| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRACY-DRISCOLL AND CO. INC.3 Filed as: TRACY-DRISCOLL CO., INC. | 10 MAIN STREET 4TH FLOOR BRISTOL, CT 06010 | CONNECTICARE INSURANCE COMPANY, INC. | $65K | $6K | $71K | 3.26% |
| TRACY-DRISCOLL AND CO. INC.3 Filed as: TRACY-DRISCOLL CO., INC. | 10 MAIN STREET 4TH FLOOR BRISTOL, CT 06010 | CONNECTICARE INSURANCE COMPANY, INC. | $7K | — | $7K | 4.00% |
| TRACY-DRISCOLL AND CO. INC.3 Filed as: TRACY-DRISCOLL CO., INC. | 10 MAIN STREET 4TH FLOOR BRISTOL, CT 06010 | GUARDIAN | $4K | — | $4K | 3.03% |
| THE MCKELLAN GROUP3 Filed as: MCKELLAN GROUP INC | 1449 OLD WATERBURY ROAD SUITE 201 SOUTHBURY, CT 06488 | HARTFORD LIFE AND ACCIDENT | $19K | — | $19K | 17.86% |
| TRACY-DRISCOLL AND CO. INC.3 Filed as: TRACY-DRISCOLL CO., INC. | 10 MAIN STREET 4TH FLOOR BRISTOL, CT 06010 | EYEMED | $2K | — | $2K | 10.83% |
| TRACY-DRISCOLL AND CO. INC.3 Filed as: TRACY-DRISCOLL CO., INC. | 10 MAIN STREET 4TH FLOOR BRISTOL, CT 06010 | EYEMED | $27 | — | $27 | 11.69% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CONNECTICARE INSURANCE COMPANY, INC. | 305 | $2.4M |
| Dental | GUARDIAN | 191 | $130K |
| Vision(2 contracts) | EYEMED | 237 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 198 | $106K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 198 | $106K |
| Prescription drug(2 contracts) | CONNECTICARE INSURANCE COMPANY, INC. | 305 | $2.4M |
| Other(4 contracts, 4 carriers) | CONNECTICARE INSURANCE COMPANY, INC. | 220 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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."
No prospect flags tripped on this filing.