| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROGESSIVE BENEFIT SOLUTIONS, LLC3 | 14 BUSINESS PARK DR #8 BRANFORD, CT 64052 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | — | $29K | 0.58% |
| ACBI, INC.3 | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 4.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC-MERIDEN | PO BOX 62937 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY LIFE INSURANCE COMPANY | $1K | — | $1K | 7.18% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2 CORPORATE DRIVE #335 SHELTON, CT 06484 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY LIFE INSURANCE COMPANY | $603 | — | $603 | 3.69% |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 672 | $5.0M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 608 | $182K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY LIFE INSURANCE COMPANY | 635 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 597 | $218K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 597 | $218K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 672 | $5.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 597 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.