| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | CONNECTICARE | $31K | $4K | $34K | 4.48% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL, LLC | 135 SOUTH ROAD FARMINGTON, CT 06032 | CIGNA | $4K | $219 | $4K | 5.25% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA | $0 | $3K | $3K | 3.68% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL | 135 SOUTH ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $58 | $58 | 0.36% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER-DRISCOLL | 135 SOUTH ROAD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.97% |
| PPI BENEFIT SOLUTIONS3 Filed as: PPI BENEFIT SOLUTINS | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $49 | $49 | 0.35% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER-DRISCOLL | 135 SOUTH RD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 15.00% |
| PPI BENEFIT SOLUTIONS3 Filed as: PPI BENEFITS SOULUTIONS | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3 | $3 | 0.03% |
| SCHUSTER DRISCOLL LLC3 Filed as: SCHUSTER DRISCOLL | 135 SOUTH RD FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $205 | $0 | $205 | 11.97% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6 | $6 | 0.35% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICARE | 134 | $763K |
| Dental | CIGNA | 77 | $74K |
| Vision | CIGNA | 77 | $74K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $14K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $16K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 103 | $10K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.