| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONNECTICARE, INC. | $74K | — | $74K | 1.61% |
| E. AMATA3 | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 4.61% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 4.61% |
| JOE FERNANDEZ3 | 3520 VANGUARD DRIVE FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY | $7K | — | $7K | 12.48% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUEBELL, PA 19422 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 8.32% |
| ROBERT WHITEHEAD3 | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $76 | $2K | 9.54% |
| LOCKTON COMPANIES, LLC3 | 195 SCOTT SWAMP ROAD, SUITE 201 FARMINGTON, CT 06032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $131 | $1K | 5.00% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $477 | $203 | $680 | 2.66% |
| KAREN PICCININI3 Filed as: KAREN ANN COYLE | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $269 | $111 | $380 | 1.49% |
| MJ INSURANCE3 Filed as: CLAIRE ZDANIS AND VARIOUS AGENTS | 374 MAPLE HILL AVENUE NEWINGTON, CT 06111 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $354 | $4 | $358 | 1.40% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH MAIN STREET PROVIDENCE, RI 02903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $173 | $101 | $274 | 1.07% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $245 | — | $245 | 0.96% |
| THE HORTON GROUP3 Filed as: ALEX HORTON AND VARIOUS AGENTS | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $245 | — | $245 | 2.83% |
| THOMAS MCMILLAN3 | 408 HIGHLAND AVENUE CHESHIRE, CT 06410 | AFLAC | $166 | — | $166 | 1.91% |
| DIANE M BOUCHER3 Filed as: DIANE M. BOUCHER | 10 CONCETTA LANE BRISTOL, CT 06010 | AFLAC | $141 | — | $141 | 1.63% |
| TRECIA J BRADY3 Filed as: TRECIA J. BRADY | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $105 | — | $105 | 1.21% |
| PAUL M WALSH3 Filed as: PAUL M. WALSH | 44 HUNTERS RIDGE ROAD SHELTON, CT 06484 | AFLAC | $94 | — | $94 | 1.08% |
| TYLER R. BOLING3 | 10 CONCETTA LANE BRISTOL, CT 06010 | AFLAC | $80 | — | $80 | 0.92% |
| ROBERT P ALWARD3 Filed as: ROBERT P. ALWARD | 219 DAY STREET GRANBY, CT 06035 | AFLAC | $44 | — | $44 | 0.51% |
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 | 537 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTICARE, INC. | 707 | $4.7M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 571 | $221K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 78 | $59K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 571 | $162K |
| Prescription drug | CONNECTICARE, INC. | 707 | $4.6M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 571 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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."
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.