| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 185 ASYLUM STREET, 25TH FLOOR HARTFORD, CT 061033708 | CONNECTICARE, INC. | $41K | $3K | $44K | 1.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 10 STATE HOUSE SQ FL 11 HARTFORD, CT 061033708 | DELTA DENTAL OF CT, INC. | $3K | — | $3K | 2.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | P.O. BOX 414965 BOSTON, MA 02241 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.10% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | 185 ASYLUM STREET, 25TH FLOOR HARTFORD, CT 061033708 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 4.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT, LLC | P.O. BOX 414965 BOSTON, MA 02241 | EYEMED VISION CARE | $724 | — | $724 | 4.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | P.O. BOX 414965 BOSTON, MA 02241 | EYEMED VISION CARE | $411 | — | $411 | 2.71% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE, INC. | 332 | $2.7M |
| Dental | DELTA DENTAL OF CT, INC. | 291 | $125K |
| Vision | EYEMED VISION CARE | 187 | $15K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 184 | $64K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 184 | $64K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 184 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.