| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVC INC | 520 CROMWELL AVENUE SUITE 102 ROCKY HILL, CT 06067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $58K | $58K | 5.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC | 55 CAPITAL BOULEVARD SUITE 102 ROCKY HILL, CT 06067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $20K | $20K | 1.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 520 CROMWELL AVENUE ROCKY HILL, CT 06067 | DELTA DENTAL OF CONNECITICUT, INC. | $5K | — | $5K | 3.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT, INC. | 55 CAPITAL BOULEVARD SUITE 102 ROCKY HILL, CT 06067 | DELTA DENTAL OF CONNECITICUT, INC. | $2K | — | $2K | 1.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 520 CROMWELL AVENUE ROCKY HILL, CT 06067 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 2.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC | 55 CAPITAL BOULEVARD SUITE 102 ROCKY HILL, CT 06067 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.82% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC | 55 CAPITAL BOULEVARD SUITE 102 ROCKY HILL, CT 06067 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 520 CROMWELL AVENUE ROCKY HILL, CT 06067 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT INC | 55 CAPITAL BOULEVARD SUITE 102 ROCKY HILL, CT 06067 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.55% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 520 CROMWELL AVENUE ROCKY HILL, CT 06067 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 595 STEWART AVENUE SUITE 700 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $922 | $922 | 2.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 55 CAPITAL BOULEVARD SUITE 102 ROCKY HILL, CT 06067 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF CT | 55 CAPITAL BOULEVARD SUITE 102 ROCKY HILL, CT 06067 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.1M |
| Dental | DELTA DENTAL OF CONNECITICUT, INC. | 110 | $139K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 139 | $1.1M |
| Life insurance | STANDARD INSURANCE COMPANY | 145 | $91K |
| Short-term disability | STANDARD INSURANCE COMPANY | 104 | $37K |
| Long-term disability | STANDARD INSURANCE COMPANY | 145 | $126K |
| Other | STANDARD INSURANCE COMPANY | 145 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.