| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | CONNETICARE, INC. | $93K | $0 | $93K | 12.40% |
| JOE FERNANDEZ3 | 3520 VANGUARD DRIVE FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY | $14K | $0 | $14K | 12.50% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUEBELL, PA 19422 | TRUSTMARK INSURANCE COMPANY | $9K | $0 | $9K | 8.33% |
| ROBERT WHITEHEAD3 | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE | $745 | $0 | $745 | 4.02% |
| MJ INSURANCE3 Filed as: CLAIRE ZDANIS AND VARIOUS AGENTS | 374 MAPLE HILL AVENUE NEWINGTON, CT 06111 | COLONIAL LIFE AND ACCIDENT INSURANCE | $242 | $0 | $242 | 1.31% |
| LOCKTON COMPANIES, LLC3 | 195 SCOTT SWAMP ROAD FARMINGTON, CT 64112 | COLONIAL LIFE AND ACCIDENT INSURANCE | $193 | $0 | $193 | 1.04% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE | $172 | $0 | $172 | 0.93% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 545 SOUTH WATER STREET PROVIDENCE, RI 02903 | COLONIAL LIFE AND ACCIDENT INSURANCE | $71 | $0 | $71 | 0.38% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN E. BERG | 319 THOMASTON ROAD WATERTOWN, CT 06795 | COLONIAL LIFE AND ACCIDENT INSURANCE | $66 | $0 | $66 | 0.36% |
| KAREN PICCININI3 Filed as: KAREN ANN COYLE | 163 CEDAR STREET BRANFORD, CT 06405 | COLONIAL LIFE AND ACCIDENT INSURANCE | $63 | $0 | $63 | 0.34% |
| SETH JASON KALSTEIN3 Filed as: SETH J KALKENSTEIN | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | HARTFORD LIFE AND ACCIDENT | $625 | $0 | $625 | 5.00% |
| E P AMATA3 | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | HARTFORD LIFE AND ACCIDENT | $625 | $0 | $625 | 5.00% |
| THE HORTON GROUP3 Filed as: ALEX HORTON AND VARIOUS AGENTS | FOUR ARMSTRONG ROAD SHELTON, CT 06010 | AFLAC | $217 | $0 | $217 | 3.09% |
| DIANE M BOUCHER3 | PO BOX 1821 BRISTOL, CT 06011 | AFLAC | $119 | $0 | $119 | 1.70% |
| THOMAS MCMILLAN3 | 345 HIGHLAND DRIVE SUITE 101 CHESHIRE, CT 06410 | AFLAC | $109 | $0 | $109 | 1.55% |
| TRECIA J BRADY3 | 71 NUTMEG COURT MIDDLETOWN, CT 06457 | AFLAC | $89 | $0 | $89 | 1.27% |
| PAUL M WALSH3 | 44 HUNTERS RIDGE ROAD SHELTON, CT 06484 | AFLAC | $85 | $0 | $85 | 1.21% |
| TYLER R. BOLING3 Filed as: TYLER R BOLING | 10 CONCETTA LANE BRISTOL, CT 06010 | AFLAC | $74 | $0 | $74 | 1.05% |
| ROBERT P ALWARD3 | 213 RAINBOW DRIVE SUITE 11321 LIVINGSTON, TX 77399 | AFLAC | $40 | $0 | $40 | 0.57% |
| PAUL DELANO4 | 41 NILES STREET SUITE 7-2B HARTFORD, CT 06105 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $109 | $0 | $109 | 14.69% |
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 | 536 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 590 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNETICARE, INC. | 739 | $746K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 536 | $123K |
| Short-term disability(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 536 | $136K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 536 | $13K |
| Prescription drug | CONNETICARE, INC. | 739 | $746K |
| Other(3 contracts, 3 carriers) | TRUSTMARK INSURANCE COMPANY | 536 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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.