| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $92K | $99K | 4.91% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $41K | $41K | 2.03% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 900 STEWART AVENUE, SUITE 505 GARDEN CITY, NY 11530 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 7.92% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.41% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 1.84% |
| MICHAEL P ZILINSKI3 Filed as: MICHAEL ZILINSKI AND OTHER AGENTS | 1633 WASHINGTON BOULEVARD APARTMENT 4E STAMFORD, CT 06902 | AFLAC | $4K | $1K | $5K | 8.41% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | AFLAC | $5K | $0 | $5K | 8.41% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $2K | $738 | $3K | 4.64% |
| KATHRYN P BAKER3 Filed as: KATHRYN P. BAKER | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $2K | $271 | $3K | 4.44% |
| ANTHONY M. LAKE3 | 16 OVERTON AVENUE SUITE 206, 207 MILFORD, CT 06460 | AFLAC | $1K | $0 | $1K | 1.72% |
| MICHAEL P ROLDAN3 Filed as: MICHAEL P. ROLDAN | 6895 EAST CAMELBACK ROAD, UNIT 6028 SCOTTSDALE, AZ 85251 | AFLAC | $1K | $0 | $1K | 1.71% |
| PEREGRINE CONSULTING LLC3 Filed as: PEREGRINE CONSULTING, LLC | 162 BODINE ROAD BERWYN, PA 19312 | AFLAC | $975 | $0 | $975 | 1.56% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 12.15% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS P. MCKIERNAN | 20 JAMES STREET MILFORD, CT 06460 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.68% |
| KATHRYN P BAKER3 Filed as: KATHRYN P. BAKER | 15 MEADOWBROOK ROAD MADISON, CT 06443 | CONTINENTAL AMERICAN INSURANCE COMPANY | $710 | $0 | $710 | 3.94% |
| PATRICK R. RUHLE AND OTHER AGENTS3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $556 | $0 | $556 | 3.09% |
| ANTHONY M. LAKE3 | 109 BOSTON POST ROAD SUITE 206, 207 ORANGE, CT 06477 | CONTINENTAL AMERICAN INSURANCE COMPANY | $332 | $0 | $332 | 1.84% |
| MICHAEL P ROLDAN3 Filed as: MICHAEL P. ROLDAN | 4515 SOUTH MCCLINTOCK DRIVE UNIT 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $284 | $0 | $284 | 1.58% |
| JUSTIN GRIFFEY3 | 525 CONNECTICUT AVENUE, SUITE 103 NORWALK, CT 06854 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | $0 | $181 | 1.01% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 1325 FRANKLIN AVENUE, SUITE 540 GARDEN CITY, NY 11530 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 9.28% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $718 | $0 | $718 | 5.00% |
| NRL WEALTH CREATION STRAT3 Filed as: NRL WEALTH CREATION STRATEGIES, LLC | UNKNOWN RIDGFIELD, CT 06877 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $32 | $0 | $32 | 0.22% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $2.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $69K |
| Short-term disability | AFLAC | 74 | $62K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $69K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $2.0M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 184 | $87K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.