| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SETH KALKSTEIN3 | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $5K | $19K | 9.12% |
| PAUL AMATA3 Filed as: PAUL E. AMATA | 29 SOUTH MAIN STREET, SUITE 201 WEST HARTFORD, CT 06107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.75% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 8.14% |
| SAMANTHA B. HARRINGTON3 | 25 SAMUELSON ROAD WESTON, CT 06883 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.09% |
| EPSIX, INC.3 | 13924 EAST DYER LANE SCOTTSDALE, AZ 85262 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.86% |
| NICOLE M FICHTHORN3 Filed as: NICOLE MARY HARPER AND OTHER AGENTS | 40 TAYLOR ROAD HUGUENOT, NY 12746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $650 | $0 | $650 | 1.34% |
| SAMUEL TATUM3 | 14 POWDER HORN HILL ROAD WILTON, CT 06897 | CONTINENTAL AMERICAN INSURANCE COMPANY | $558 | — | $558 | 1.15% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $365 | — | $365 | 0.75% |
| MICHAEL P ZILINSKI3 Filed as: MICHAEL P. ZILINSKI | 1633 WASHINGTON BOULEVARD APARTMENT 4E STAMFORD, CT 06902 | CONTINENTAL AMERICAN INSURANCE COMPANY | $341 | $0 | $341 | 0.70% |
| ENROLLEASE3 Filed as: ONE DIGITAL | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 12.49% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 302 | $16K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $208K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $208K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $208K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.