| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES NY LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10017 | SUN LIFE ASSURANCE COMPANY OF CA | $7K | $2K | $9K | 10.93% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NEW ENGLAND, INC. | 1 FINANCIAL PLZ 2ND FL HARTFORD, CT 06103 | SUN LIFE ASSURANCE COMPANY OF CA | $3K | — | $3K | 4.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CA | — | $278 | $278 | 0.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | CONNECTICARE INC. | $53K | — | $53K | 69.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NEW ENGLAND, INC. | ONE FINANCIAL PLAZA 2ND FL HARTFORD, CT 06103 | CONNECTICARE INC. | $23K | — | $23K | 30.84% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | DELTA DENTAL OF CONNECTICUT, INC. | $6K | — | $6K | 8.89% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NEW ENGLAND, INC. | ONE FINANCIAL PLAZA 2ND FL HARTFORD, CT 06103 | DELTA DENTAL OF CONNECTICUT, INC. | $2K | — | $2K | 2.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | DELTA DENTAL INSURANCE COMPANY | $864 | — | $864 | 7.62% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE INC. | 163 | $76K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CONNECTICUT, INC. | 81 | $75K |
| Vision | ANTHEM HEALTH PLANS, INC. | 120 | $7K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CA | 185 | $85K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CA | 185 | $85K |
| Other | SUN LIFE ASSURANCE COMPANY OF CA | 185 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.