| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | AETNA LIFE INSURANCE COMPANY | $58K | $0 | $58K | 14.86% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD WEST HARTFORD, CT 06032 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC | $8K | $0 | $8K | 5.00% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 9.66% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPLANY | $3K | $865 | $4K | 16.93% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD WEST HARTFORD, CT 06032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $363 | $2K | 17.65% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD WEST HARTFORD, CT 06032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $87 | $19 | $106 | 18.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $89K |
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 | 246 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC | 143 | $168K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 246 | $53K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPLANY | 245 | $23K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 174 | $389K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 246 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.