| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONNECTICARE, INC. | $93K | — | $93K | 7.88% |
| E P AMATA3 Filed as: E. P. AMATA | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 5.00% |
| SETH KALKSTEIN3 Filed as: SETH J. KALKSTEIN | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 5.00% |
| JOE FERNANDEZ3 | 3520 VANGUARD DRIVE FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY | $12K | — | $12K | 13.44% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUEBELL, PA 19422 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 8.96% |
| ROBERT WHITEHEAD3 | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 4.51% |
| MJ INSURANCE3 Filed as: EILEEN E. BERG AND VARIOUS AGENTS | 319 THOMASTON ROAD WATERTOWN, CT 06795 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $287 | — | $287 | 1.28% |
| LOCKTON COMPANIES, LLC3 | 195 SCOTT SWAMP ROAD FARMINGTON, CT 06032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $241 | — | $241 | 1.07% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANDORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $215 | — | $215 | 0.96% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH WATER STREET PROVIDENCE, RI 02903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.41% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | — | $91 | 0.40% |
| KAREN PICCININI3 Filed as: KAREN ANN COYLE | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | — | $86 | 0.38% |
| THE HORTON GROUP3 Filed as: ALEX HORTON AND VARIOUS AGENTS | 27 JENNIE LANE WESTPORT, CT 06880 | AFLAC | $225 | — | $225 | 2.82% |
| DIANE M BOUCHER3 Filed as: DIANE M. BOUCHER | PO BOX 1821 BRISTOL, CT 06011 | AFLAC | $136 | — | $136 | 1.70% |
| THOMAS MCMILLAN3 | 408 HIGHLAND AVENUE CHESHIRE, CT 06410 | AFLAC | $128 | — | $128 | 1.60% |
| TRECIA J BRADY3 Filed as: TRECIA J. BRADY | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $102 | — | $102 | 1.28% |
| PAUL M WALSH3 Filed as: PAUL M. WALSH | 44 HUNTERS RIDGE ROAD SHELTON, CT 06484 | AFLAC | $94 | — | $94 | 1.18% |
| TYLER R. BOLING3 | 10 CONCETTA LANE BRISTOL, CT 06010 | AFLAC | $86 | — | $86 | 1.08% |
| ROBERT P ALWARD3 Filed as: ROBERT P. ALWARD | 213 RAINBOW DRIVE, SUITE 11321 LINVINGSTON, TX 77399 | AFLAC | $44 | — | $44 | 0.55% |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 719 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 536 | $227K |
| Short-term disability | TRUSTMARK INSURANCE COMPANY | 96 | $92K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 536 | $134K |
| Prescription drug | CONNECTICARE, INC. | 719 | $1.2M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 536 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.