| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUEN DELDIN DIDIO ASSOCIATES3 Filed as: BRUEN DELDIN DIDIO ASSOCIATED, INC. | 750 OLD MAIN ST SUITE 203 ROCKY HILL, CT 06067 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $172K | — | $172K | 6.25% |
| UNITED OF OMAHA LIFE INSURANCE CO Filed as: UNITED OF OMAHA LIFE INSURANCE CO. | MUTUAL OF OMAHA PLAZA OMAHA, NE 681750129 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $42K | $42K | 12.08% |
| JOHN J. JACOBS3 | 95 GLASTONBURY BLVD STE 21 GLASTONBURY, CT 060334412 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | — | $35K | 10.00% |
| BRUEN DELDIN DIDIO ASSOCIATES3 Filed as: BRUEN DELDIN DIDIO ASSOCIATED, INC. | 750 OLD MAIN ST SUITE 203 ROCKY HILL, CT 06067 | LIFE INSRUANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.27% |
| BRUEN DELDIN DIDIO ASSOCIATES3 Filed as: BRUEN DELDIN DIDIO ASSOCIATE, INC. | 750 OLD MAIN ST SUITE 203 ROCKY HILL, CT 06067 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIM ADMIN & SERVICES | Float revenue; Direct payment from the plan; Contract Administrator; Other services; Non-monetary compensation; Named fiduciary; Participant communication; Claims processing Service code 12 | PO BOX 20643 LEHIGH VALLEY, PA 180020643 | $1.2M |
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 | 2,367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS AND BLUE SHIELD | 7 | $24K |
| Life insurance | LIFE INSRUANCE COMPANY OF NORTH AMERICA | 1,254 | $126K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,368 | $349K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,367 | $2.7M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 779 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,367 | — |
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.