| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 185 ASYLUM STREET, 25TH FL HARTFORD, CT 061033708 | CONNECTICARE, INC. | $46K | $0 | $46K | 1.51% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 76 BATTERSON PARK ROAD, STE 3 FARMINGTON, CT 06032 | CONNECTICARE, INC. | $23K | $0 | $23K | 0.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SVCS WEST | 525 MARKET ST, SUITE 3400 SAN FRANCISCO, CA 94105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 2.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 414965 BOSTON, MA 02241 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 2.25% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $3 | $2K | 0.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | P.O. BOX 414965 BOSTON, MA 02241 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 2.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SVCS WEST | 525 MARKET ST, SUITE 3400 SAN FRANCISCO, CA 94105 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 1.94% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 1.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBE NEW YORK, NY 10281 | ANTHEM HEALTH PLANS, INC. (G1800) | $12K | $0 | $12K | 8.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS. SVCS WEST | 300 S GRAND AVE, STE 2000 LOS ANGELES, CA 90071 | ANTHEM HEALTH PLANS, INC. (G1800) | $0 | $2K | $2K | 1.41% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST, STE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS, INC. (G1800) | $2K | $0 | $2K | 1.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | JP MORGAN CHASE NEW YORK, NY 102494557 | EYEMED VISION CARE | $2K | $0 | $2K | 9.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | P.O. BOX 3207 BOSTON, MA 022417484 | EYEMED VISION CARE | $552 | $0 | $552 | 2.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | ESI EMPLOYEE ASSISTANCE GROUP | $340 | $0 | $340 | 5.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBE NEW YORK, NY 10281 | ANTHEM HEALTH PLANS, INC. | $74 | $0 | $74 | 2.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST, STE 900 KANSAS CITY, MO 64112 | ANTHEM HEALTH PLANS, INC. | $25 | $0 | $25 | 0.70% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CONNECTICARE, INC. | 355 | $3.2M |
| Dental | ANTHEM HEALTH PLANS, INC. (G1800) | 156 | $141K |
| Vision | EYEMED VISION CARE | 244 | $21K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 286 | $168K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 286 | $151K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 286 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 355 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.