| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN E. KEHL3 | 437 NAUBUC AVENUE, SUITE 108 GLASTONBURY, CT 06033 | NORTHWESTERN MUTUAL | $3K | $700 | $3K | 3.22% |
| SETH JASON KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $525 | $3K | 2.41% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $525 | $3K | 2.41% |
| PIZZUTI GROUP LLC3 Filed as: PIZZUTI GROUP, LLC | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $494 | $59 | $553 | 0.51% |
| STRIANO FNCL GRP LLC3 | 1515 S FEDERAL HWY STE 208 BOCA RATON, FL 33432 | NORTHWESTERN MUTUAL | $270 | $64 | $334 | 0.31% |
| COREY MICHAEL CARON3 | 20 CHURCH STREET, SUITE 710 HARTFORD, CT 06103 | NORTHWESTERN MUTUAL | $191 | $69 | $260 | 0.24% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | SUN LIFE ASSURANCE OF CANADA | $3K | — | $3K | 3.37% |
| BENJAMIN E. KEHL3 | 437 NAUBUC AVENUE, SUITE 108 GLASTONBURY, CT 06033 | SUN LIFE ASSURANCE OF CANADA | $3K | — | $3K | 3.37% |
| SETH JASON KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | SUN LIFE ASSURANCE OF CANADA | $2K | — | $2K | 2.52% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E. PAUL AMATA | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | SUN LIFE ASSURANCE OF CANADA | $2K | — | $2K | 2.52% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE OF CANADA | 122 | $74K |
| Long-term disability | NORTHWESTERN MUTUAL | 118 | $108K |
| Other | SUN LIFE ASSURANCE OF CANADA | 122 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.