| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 | 14 BUSINESS PARK DRIVE 8 BRANFORD, CT 06405 | ANTHEM HEALTH PLANS, INC. | — | $1K | $1K | 0.18% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS, INC. | — | $1 | $1 | 0.00% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 11.56% |
| USI INSURANCE SERVICES LLC3 | 95 GLASTONBURY BOULEVARD GLASTONBURY, CT 06033 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.89% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.60% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | ELIXIR | $2K | — | $2K | 4.32% |
| USI INSURANCE SERVICES LLC3 | 95 GLASTONBURY BOULEVARD GLASTONBURY, CT 06033 | ELIXIR | $1K | — | $1K | 3.23% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.10% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS, LLC | 50 WHITECAP DRIVE NORTH KINGSTON, RI 02852 | COMPANION LIFE INSURANCE COMPANY - COLUMBIA | $2K | — | $2K | 9.36% |
| USI INSURANCE SERVICES LLC4 | 95 GLASTONBURY BOULEVARD GLASTONBURY, CT 06033 | COMPANION LIFE INSURANCE COMPANY - COLUMBIA | $621 | — | $621 | 3.38% |
| USI INSURANCE SERVICES LLC4 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANDA | $5K | $242 | $6K | 37.56% |
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 | 77 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | ANTHEM HEALTH PLANS, INC. | 63 | $928K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANDA | 0 | $15K |
| Vision | ANTHEM HEALTH PLANS, INC. | 63 | $827K |
| Life insurance | STANDARD INSURANCE COMPANY | 0 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 63 | — |
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.