| 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 | $53K | — | $53K | 9.12% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $26K | $26K | 4.56% |
| NEW ENGLAND EMPLOYEE BENEFITS CO Filed as: HEALTH NEW ENGLAND, INC. | ONE MONARCH PLACE SUITE 1500 SPRINGFIELD, MA 011441500 | HEALTH NEW ENGLAND, INC. | $3K | — | $3K | 3.48% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 4.95% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 4.95% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | ANTHEM LIFE INSURANCE COMPANY | $950 | — | $950 | 6.58% |
| PROFESSIONAL PENSIONS INC | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | ANTHEM LIFE INSURANCE COMPANY | — | $317 | $317 | 2.19% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | ANTHEM HEALTH PLANS, INC. | $2K | — | $2K | 16.32% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | ANTHEM HEALTH PLANS, INC. | — | $543 | $543 | 5.42% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTHCARE OF CONNECTICUT INC | — | $461 | $461 | 5.00% |
| MDG ASSOCIATES OF CONNECTICUT3 | 34 EAST INDUSTRIAL RD SUITE 5 BRANFORD, CT 06405 | CIGNA HEALTHCARE OF CONNECTICUT INC | $461 | — | $461 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 | Named fiduciary; Contract Administrator; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Float revenue; Participant communication Service code 12 | — | $38K |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | 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 | 249 | $664K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 96 | $75K |
| Vision | ANTHEM HEALTH PLANS, INC. | 102 | $10K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 348 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.