| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENJAMIN E. KEHL3 Filed as: BENJAMIN E KEHL | 437 NAUBUC AVE STE 108 GLASTONBURY, CT 06033 | NORTHWESTERN MUTUAL | $3K | $711 | $4K | 3.51% |
| SETH JASON KALKSTEIN3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $533 | $3K | 2.63% |
| PAUL GLOBAL BENEFITS INC3 Filed as: E PAUL AMATA | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $2K | $533 | $3K | 2.63% |
| NM WEST HARTFORD LLC3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | NORTHWESTERN MUTUAL | $767 | $92 | $859 | 0.85% |
| COREY MICHAEL CARON3 | 20 CHURCH ST STE 710 HARTFORD, CT 06103 | NORTHWESTERN MUTUAL | $192 | $69 | $261 | 0.26% |
| KEHL, BENJAMIN E3 | 437 NAUBUC AVE STE 108 GLASTONBURY, CT 06033 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.01% |
| KALKSTEIN, SETH JASON3 | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.01% |
| E. AMATA3 Filed as: AMATA, E PAUL | 29 S MAIN ST STE 201 WEST HARTFORD, CT 06107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 3.01% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $87K |
| Long-term disability | NORTHWESTERN MUTUAL | 141 | $101K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 163 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.