| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONNETICARE, INC. | $107K | $7K | $114K | 19.99% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.41% |
| PAUL AMATA3 Filed as: PAUL E. AMATA | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | TRANSAMERICA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 22.11% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS SUITE 2010 NEW YORK, NY 10036 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.47% |
| THE FARMINGTON COMPANY3 | PO BOX 527 FARMINGTON, CT 06034 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 16.80% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.25% |
| JOE FERNANDEZ3 | 3520 VANGUARD DRIVE FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY | $4K | $0 | $4K | 14.31% |
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD FARMINGTON, CT 06032 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 9.54% |
| PAUL DELANO3 | 41 NILES STREET, SUITE 7-2B HARTFORD, CT 06105 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $94 | $0 | $94 | 11.78% |
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 | 549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNETICARE, INC. | 677 | $572K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 87 | $5K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 549 | $244K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 53 | $71K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 549 | $191K |
| Prescription drug | CONNETICARE, INC. | 677 | $572K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 102 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 677 | — |
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.