| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONNETICARE, INC. | $95K | $0 | $95K | 13.49% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.62% |
| SETH KALKSTEIN3 Filed as: SETH J. KALKSTEIN | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.95% |
| SETH KALKSTEIN3 Filed as: SETH J. KALKSTEIN | 68 BRENTWOOD DRIVE GLASTONBURY, CT 06033 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.67% |
| JOE FERNANDEZ3 | 3520 VANGUARD DRIVE FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY | $8K | $0 | $8K | 20.87% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUEBELL, PA 19422 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 9.53% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD FARMINGTON, CT 06032 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 4.39% |
| THE FARMINGTON COMPANY3 | PO BOX 527 FARMINGTON, CT 06034 | TRANSAMERICA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 46.42% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 19.90% |
| THE FARMINGTON COMPANY3 | PO BOX 527 FARMINGTON, CT 06034 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 62.47% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.72% |
| AHA FINANCIAL SOLUTIONS, INC.3 | 155 NORTH WACKER DRIVE, SUITE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $49 | $0 | $49 | 0.18% |
| DELANO PAUL3 | 41 NILES STREET, APARTMENT 7-2B HARTFORD, CT 06105 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $86 | $0 | $86 | 14.38% |
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 | 511 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 568 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNETICARE, INC. | 733 | $706K |
| Life insurance(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 511 | $221K |
| Short-term disability(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 174 | $71K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 511 | $156K |
| Prescription drug | CONNETICARE, INC. | 733 | $706K |
| Other(5 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY | 511 | $254K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 733 | — |
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.