| 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 | $56K | $0 | $56K | 2.51% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES, LLC | 2 ENTERPRISE DR STE 204 SHELTON, CT 064844657 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 1.25% |
| KYLE PETER KUMMER3 | 106 W MAIN ST PLAINVILLE, CT 060621979 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 0.57% |
| KYLE PETER KUMMER3 | 106 W MAIN ST PLAINVILLE, CT 06062 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $0 | $15K | 8.17% |
| KYLE PETER KUMMER3 | 106 W MAIN ST PLAINVILLE, CT 06062 | HARTFORD LIFE INSURANCE COMPANY | $508 | $0 | $508 | 1.68% |
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 | 446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $2.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 287 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $218K |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $218K |
| Long-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $218K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 446 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.