| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC. | 55 CAPITAL BOULEVARD SUITE 102 ROCKY HILL, CT 06067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $992 | — | $992 | 5.82% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $852 | — | $852 | 5.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY-WIS | 1200 NORTH MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $262 | $262 | 1.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC. | 55 CAPITAL BOULEVARD SUITE 102 ROCKY HILL, CT 06067 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $692 | $76 | $768 | 5.55% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY-WIS | 1200 NORTH MAYFAIR ROAD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $190 | $190 | 1.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 520 CROMWELL AVENUE ROCKY HILL, CT 06067 | DELTA DENTAL OF CONNECTICUT INC | $596 | — | $596 | 9.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC | 55 CAPITAL BOULEVARD SUITE 102 ROCKY HILL, CT 06067 | DELTA DENTAL OF CONNECTICUT INC | $50 | — | $50 | 0.77% |
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 | 158 | 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. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DELTA DENTAL OF CONNECTICUT INC | 73 | $6K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $31K |
| Stop-loss / reinsurancereinsurance | NIAGARA LIFE & HEALTH INSURANCE COMPANY | 97 | $1.2M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 153 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.