| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | UNITEDHEALTHCARE INSURANCE COMPANY | $53K | $0 | $53K | 2.05% |
| MERIT INSURANCE INC.3 Filed as: MERIT INSURANCE INC | 1 ENTERPRISE DRIVE, SUITE 310 SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 1.47% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 0.29% |
| MERIT INSURANCE INC.3 Filed as: MERIT INSURANCE INC | 1 ENTERPRISE DRIVE, SUITE 310 SHELTON, CT 06484 | DELTA DENTAL OF CONNECTICUT, INC. | $7K | $0 | $7K | 4.61% |
| SCHUSTER DRISCOLL LLC3 | 135 SOUTH ROAD FARMINGTON, CT 06032 | DELTA DENTAL OF CONNECTICUT, INC. | $2K | $0 | $2K | 1.30% |
| MERIT INSURANCE INC.3 Filed as: MERIT INSURANCE INC | 1 ENTERPRISE DRIVE, SUITE 310 SHELTON, CT 06484 | ANTHEM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | ANTHEM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.90% |
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 | 403 | 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) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $2.6M |
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 464 | $156K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 403 | $60K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 403 | $60K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $2.6M |
| Other | ANTHEM LIFE INSURANCE COMPANY | 403 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 464 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.