| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 Filed as: THE SCHUSTER DRISCOLL LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $4K | $22K | 2.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 2.14% |
| SCHUSTER DRISCOLL LLC3 Filed as: THE SCHUSTER GROUP | 135 SOUTH ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.00% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 195 SCOTT SWAMP RD STE 100 FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.90% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY | 340 MADISON AVE 21ST FL NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $776 | — | $776 | 1.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 135 SOUTH RD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.70% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $945 | $740 | $2K | 3.62% |
| CFS HARTFORD LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34 | — | $34 | 0.07% |
| SCHUSTER DRISCOLL LLC3 Filed as: THE SCHUSTER GROUP | 135 SOUTH ROAD FARMINGTON, CT 06032 | EYEMED VISION CARE | $341 | — | $341 | 4.90% |
| ENROLLEASE3 Filed as: ONEDIGITAL-FARMINGTON, CT | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $280 | — | $280 | 4.02% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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 | 140 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 87 | $47K |
| Vision | EYEMED VISION CARE | 112 | $7K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $63K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $63K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $63K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 140 | $1.0M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 144 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.