| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MPL LLC3 | 14 BUSINESS PARK DRIVE #8 BRANFORD, CT 06504 | THE STANDARD | $7K | — | $7K | 0.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE SEGAL COMPANY INC EIN 13-1835864 NONE | Consulting (general); Direct payment from the plan; Actuarial Service code 11 | 116 HUNTINGTON AVENUE BOSTON, MA 02116 | $947K |
| SOFTWARE SYSTEMS SOLUTIONS LLC EIN 06-1496327 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 212 NEW LONDON TPKE GLASTONBURY, CT 06033 | $609K |
| EMPLOYEE EIN 06-0850110 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 609 WEST JOHNSON AVE, 2ND FLOOR CHESHIRE, CT 06410 | $560K |
| ROBERT M CHEVERIE ASSOCIATES PC EIN 06-1335139 NONE | Legal; Direct payment from the plan Service code 29 | 333 EAST RIVER DRIVE EAST HARTFORD, CT 06108 | $324K |
| S M ESPOSITO & COMPANY PC EIN 06-1298465 NONE | Direct payment from the plan; Accounting (including auditing); Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 10 | 3013 DIXWELL AVENUE HAMDEN, CT 06518 | $317K |
| ZELLIS PAYMENT HOLDINGS LLC EIN 45-2579291 NONE | Copying and duplicating; Direct payment from the plan Service code 36 | — | $237K |
| EXECUTIVE DIRECTOR EIN 06-0850110 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 609 WEST JOHNSON AVE, 2ND FLOOR CHESHIRE, CT 06410 | $203K |
| CLAIMS DIRECTOR EIN 06-0850110 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | 609 WEST JOHNSON AVE, 2ND FLOOR CHESHIRE, CT 06410 | $137K |
| CT MICRONET LLC EIN 20-2841553 NONE | Direct payment from the plan; Consulting (general) Service code 16 | 6 EXECUTIVE DRIVE FARMINGTON, CT 06032 | $63K |
| DENNIS MCGUIRE EIN 06-0850110 EMPLOYER CO CHAIR | Direct payment from the plan; Trustee (individual) Service code 20 | — | $48K |
| MICHELLE PISANO CLAIMS CONSULTANT | Other services; Direct payment from the plan; Consulting (general) Service code 16 | CANTERBURY WAY NORTH HAVEN, CT 06473 | $41K |
| MORGAN STANLEY EIN 20-8764829 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Investment advisory (plan); Other investment fees and expenses; Other services; Recordkeeping fees; Securities brokerage commissions and fees; Investment management fees paid directly by plan; Securities brokerage Service code 15 | — | $35K |
| WEBSTER BANK EIN 06-1187536 NONE | Other services; Direct payment from the plan; Other fees Service code 49 | 80 ELM STREET NEW HAVEN, CT 06510 | $26K |
| IT DIRECTOR EIN 06-0850110 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | 609 WEST JOHNSON AVE, 2ND FLOOR CHESHIRE, CT 06410 | $23K |
| MICHEL RINALDI NONE | Other services; Direct payment from the plan Service code 49 | 35 THENDARA DRIVE WATERBURY, CT 06708 | $18K |
| GREGORY SEELENBINDER NONE | Direct payment from the plan; Other services; Consulting (general) Service code 16 | 3482 TRENTON ROAD COLUMBUS, OH 43232 | $15K |
| JONATHAN ZUCKER, DMB NONE | Consulting (general); Direct payment from the plan; Other services Service code 16 | 48 CAMELOT DRIVE SHREWSBURY, MA 01545 | $13K |
| BEVAN SWEET EIN 06-0850110 UNION CO-CHAIR | Accounting (including auditing); Trustee (individual) Service code 10 | — | $12K |
| IRON MOUNTAIN INC EIN 23-2588479 NONE | Direct payment from the plan; Other services Service code 49 | — | $10K |
| DHANSOL SOFTWARE SOLUTIONS LLC NONE | Direct payment from the plan; Other services; Consulting (general) Service code 16 | 42 SUMMER HILL ROAD WALLINGFORD, CT 06492 | $9K |
| ANTHEM BLUE CROSS BLUE SHIELD EIN 06-1475928 NONE | Contract Administrator; Insurance agents and brokers; Non-monetary compensation; Other services; Consulting (general); Claims processing; Other commissions; Float revenue Service code 12 | — | $6K |
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 | 6,153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 409 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4,121 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE STANDARD | 4,520 | $861K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,520 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.