| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEITH LEPACK3 Filed as: KEITH J BELL | 20 WALTS HILL ROAD BLOOMFIELD, CT 06002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $72K | — | $72K | 8.40% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFITS GROUP INC | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $45K | $45K | 5.23% |
| BELL KEITH3 | 20 WALTS HILL ROAD BLOOMFIELD, CT 06002 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 11.77% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC | 2 ENTERPRISE DRIVE SUITE 204 SHELTON, CT 06484 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $16 | $8K | 4.60% |
| JOHN KAUFMAN3 | 31 HATHEWAY DRIVE WEST HARTFORD, CT 06107 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.17% |
| KEITH BELL3 | 20 WALTS HILL ROAD BLOOMFIELD, CT 06002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| KEITH BELL3 | 20 WALTS HILL ROAD BLOOMFIELD, CT 06002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| KEITH BELL3 | 20 WALTS HILL ROAD BLOOMFIELD, CT 06002 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $627 | — | $627 | 15.00% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $179K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $179K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 249 | $31K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 249 | $27K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 184 | $860K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 249 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.