| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1 FINANCIAL PLAZA HARTFORD, CT 03495 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | $0 | $68K | 4.98% |
| PROGRESSIVE BENEFIT SOLUTIONS LLC3 Filed as: PROGRESSIVE BENEFIT SOLUTIONS, LLC | 14 BUSINESS PARK DRIVE, SUITE 8 BRANFORD, CT 03496 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 1.29% |
| ASSUREDPARTNERS3 | 755 MAIN STREET HARTFORD, CT 06103 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.22% |
| ASSUREDPARTNERS3 | 1 FINANCIAL PLAZA, 2ND FLOOR HARTFORD, CT 06103 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.70% |
| ASSUREDPARTNERS3 | 850 MAIN STREET BRIDGEPORT, CT 06604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $378 | $44 | $422 | 7.31% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS NEW ENGLAND, INC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 0.76% |
| CFS HARTFORD LLC3 Filed as: CFS HARTFORD, LLC | UNKNOWN NORWALK, CT 06851 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | $0 | $8 | 0.14% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $1.4M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $1.4M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 144 | $20K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $1.4M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 171 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.