| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK W SERRA3 | 2 CORPORATE DR. SHELTON, CT 06484 | UNITED HEALTH CARE INSURANCE COMPANY | $8K | $0 | $8K | 0.10% |
| SERRA & DELVECCHIO LLC3 Filed as: SERRA & DELVECCHIO, LLC | 2 CORPORATE DR. SUITE 234 SHELTON, CT 06484 | UNITEDHEALTHARE INSURANCE COMPANY | $61K | — | $61K | 3.11% |
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 | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHARE INSURANCE COMPANY | 303 | $2.0M |
| Dental | UNITEDHEALTHARE INSURANCE COMPANY | 303 | $2.0M |
| Vision | UNITEDHEALTHARE INSURANCE COMPANY | 303 | $2.0M |
| Life insurance | UNITED HEALTH CARE INSURANCE COMPANY | 152 | $7.6M |
| Short-term disability | UNITED HEALTH CARE INSURANCE COMPANY | 152 | $7.6M |
| Long-term disability | UNITED HEALTH CARE INSURANCE COMPANY | 152 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.