| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 9.69% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $26K | $26K | 4.85% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | HEALTH NEW ENGLAND, INC. | $3K | — | $3K | 2.76% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $722 | $722 | 5.63% |
| PROFESSIONAL PENSIONS INC5 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $641 | $641 | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $151 | $151 | 1.18% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $460 | $2K | 13.38% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $604 | — | $604 | 5.00% |
| CFS HARTFORD LLC3 | 197 SCOTT SWAMP ROAD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23 | — | $23 | 0.19% |
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 | 140 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $646K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $13K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.