| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BENEFITS3 Filed as: ASSOCIATED GROUP LLC | 106 W MAIN ST PLAINVILLE, CT 060621979 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | $0 | $59K | 2.56% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 2677 N MAIN ST STE 800 SANTA ANA, CA 927056687 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 0.90% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP - NEW YORK | 30 BROAD ST FL 35 NEW YORK, NY 100042952 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 0.47% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC CT | 240 MAIN ST FARMINGTON, CT 060322900 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $0 | $8K | 0.36% |
| AMWINS3 Filed as: LISI INC | 2 ENTERPRISE DR STE 204 SHELTON, CT 064844657 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 0.25% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 0.24% |
| KYLE PETER KUMMER3 | 106 W MAIN ST PLAINVILLE, CT 060621979 | UNITEDHEALTHCARE INSURANCE COMPANY | -$240 | $0 | -$240 | -0.01% |
| KUMMER, KYLE P3 | 106 W MAIN ST PLAINVILLE, CT 06062 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 7.42% |
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 | 436 | 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) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 410 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 410 | $2.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 410 | $2.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $193K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $193K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $193K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.