| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 10 STATE HOUSE SQUARE, FLOOR 11 HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA, INC. | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.42% |
| BENJAMIN E. KEHL3 Filed as: BENJAMIN E KEHL | 437 NAUBUC AVE STE 108 GLASTONBURY, CT 06033 | NORTHWESTERN MUTUAL | $1K | $310 | $2K | 2.92% |
| SETH JASON KALKSTEIN3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $932 | $272 | $1K | 2.26% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $932 | $257 | $1K | 2.24% |
| NM WEST HARTFORD LLC3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $675 | $81 | $756 | 1.42% |
| COREY MICHAEL CARON3 | 20 CHURCH ST STE 710 HARTFORD, CT 06103 | NORTHWESTERN MUTUAL | $169 | $61 | $230 | 0.43% |
| KEHL, BENJAMIN E3 | 437 NAUBUC AVE STE 108 GLASTONBURY, CT 06033 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 2.01% |
| KALKSTEIN, SETH JASON3 | 29 S MAIN ST WEST HARTFORD, CT 06107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $791 | — | $791 | 1.51% |
| E. AMATA3 Filed as: AMATA, E PAUL | 29 S MAIN ST WEST HARTFORD, CT 06107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $791 | — | $791 | 1.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 10 STATE HOUSE SQUARE, FLOOR 11 HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 8.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF CA, INC. | PO BOX 101162 PASADENA, CA 91189 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.31% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 195 | $125K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 162 | $103K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 195 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.