| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | ONE FINANCIAL PLAZA 755 MAIN STREET HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $187K | $199K | 3.86% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $106K | $106K | 2.05% |
| ASSUREDPARTNERS3 | 755 MAIN STREET HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 0.16% |
| ASSUREDPARTNERS3 | ONE FINANCIAL PLAZA HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 6.14% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 5.00% |
| ASSUREDPARTNERS3 | ONE FINANCIAL PLAZA HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 11.34% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| ASSUREDPARTNERS3 | ONE FINANCIAL PLAZA HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.00% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $507 | $507 | 5.00% |
| ASSUREDPARTNERS3 | ONE FINANCIAL PLAZA HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $253 | $0 | $253 | 12.01% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $105 | $105 | 4.98% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 287 | $5.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 287 | $5.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 287 | $5.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $71K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16 | $32K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 287 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
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.