| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 76 BATTERSON PARK ROAD, SUITE 3 FARMINGTON, CT 06032 | CONNECTICARE, INC. | $88K | $23K | $111K | 1.78% |
| USI INSURANCE SERVICES LLC3 | 726 EXCHANGE STREET, SUITE 900 BUFFALO, NY 14210 | CONNECTICARE, INC. | $30K | $16K | $46K | 0.74% |
| E. AMATA3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.11% |
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET WEST HARTFORD, CT 06107 | ANTHEM LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.11% |
| AON CONSULTING INC3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.57% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF AMERICAS, SUITE 2010 NEW YORK, NY 10036 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.60% |
| AON CONSULTING INC3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $882 | $0 | $882 | 4.81% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $391 | $0 | $391 | 2.13% |
| JOE FERNANDEZ3 | 3520 VANGUARD DRIVE FRISCO, TX 75034 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 9.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON - CT | 76 BATTERSON PARK ROAD FARMINGTON, CT 06032 | TRUSTMARK INSURANCE COMPANY | $967 | $0 | $967 | 7.12% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 3207 BOSTON, MA 02241 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $823 | $0 | $823 | 8.63% |
| AON CONSULTING INC3 | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $149 | $0 | $149 | 1.56% |
| DELANO PAUL4 | 154 PEMBROKE STREET HARTFORD, CT 06112 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $108 | $0 | $108 | 8.46% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 1185 AVENUE OF AMERICAS, SUITE 2010 NEW YORK, NY 10036 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $51 | $0 | $51 | 4.00% |
| PALACHE FAMILY ENTERPRISES LLC4 | 21 ENGLEWOOD AVENUE BLOOMFIELD, CT 06002 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $27 | $0 | $27 | 2.12% |
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 | 596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 653 | $6.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 136 | $10K |
| Life insurance(4 contracts, 4 carriers) | ANTHEM LIFE INSURANCE COMPANY | 596 | $292K |
| Short-term disability(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 84 | $56K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 596 | $217K |
| Prescription drug | CONNECTICARE, INC. | 653 | $6.2M |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 84 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.