| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS HORIZONS CORP.3 | 85 NUTMEG LN. PO BOX 1385 GLASTONBURY, CT 06033 | CONNECTICARE, INC | $22K | — | $22K | 4.26% |
| BENEFIT HORIZONS CORP3 Filed as: BENEFIT HORIZONS CORPORATION | PO BOX 1385 GLASTONBURY, CT 06033 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 17.30% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC. | 5110 N. 40TH ST., SUITE 234 PHOENIX, AZ 85018 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.97% |
| BENEFIT HORIZONS CORP3 | PO BOX 1385 GLASTONBURY, CT 06033 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.15% |
| BENEFIT HORIZON CORP.3 | PO BOX 1385 GLASTONBURY, CT 06033 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $615 | $615 | 4.11% |
| BENEFIT HORIZONS CORP3 | PO BOX 1385 GLASTONBURY, CT 06033 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $773 | — | $773 | 12.38% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $255 | $255 | 4.08% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTICARE, INC | 119 | $571K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $46K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $46K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 41 | $33K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
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.