| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEANCO LLC DBA THE BENEFITS GROUP3 | 700 W. JOHNSON AVE SUITE 301 CHESHIRE, CT 06410 | ANTHEM BLUE CROSS AND BLUE SHIELD | $101K | — | $101K | 4.05% |
| SEANCO LLC DBA THE BENEFITS GROUP3 | 700 W. JOHNSON AVE SUITE 301 CHESHIRE, CT 06410 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | — | $38K | 6.58% |
| MGIS3 | 10 WEST BROADWAY SUITE 800 SALT LAKE CITY, UT 841012100 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $360 | $360 | 0.06% |
| SEANCO LLC DBA THE BENEFITS GROUP3 Filed as: SEANCO LLC | STE 301 700 W JOHNSON AVE CHESHIRE, CT 06410 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $14K | — | $14K | 5.00% |
| SEANCO LLC DBA THE BENEFITS GROUP3 | 700 W JOHNSON AVE STE 301 CHESHIRE, CT 064101197 | VISION SERVICE PLAN | $1K | — | $1K | 4.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BLUE CROSS AND BLUE SHIELD EIN 06-1475928 CLAIMS ADMINISTRATOR | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other fees; Float revenue; Contract Administrator Service code 12 | 108 LEIGUS ROAD WALLINGFORD, CT 06492 | $155K |
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 | 418 | 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) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 298 | $273K |
| Vision | VISION SERVICE PLAN | 245 | $32K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 418 | $579K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 418 | $579K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 418 | $579K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS AND BLUE SHIELD | 273 | $2.5M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 418 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.