| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEANCO LLC DBA THE BENEFITS GROUP3 | 700 W. JOHNSON AVE SUITE 301 CHESHIRE, CT 06410 | SUN LIFE ASSURANCE COMPANY OF CANADA | $38K | — | $38K | 6.60% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $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. | $13K | — | $13K | 5.00% |
| SEAN CO LLC DBA THE BENEFITS GROUP3 | STE 301 700 W JOHNSON AVE CHESIRE, CT 60410 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.06% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2150 POST RD FAIRFIELD, CT 06824 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $369 | — | $369 | 1.02% |
| SEANCO LLC DBA THE BENEFITS GROUP3 | 700 W JOHNSON AVE STE 301 CHESHIRE, CT 064101197 | VISION SERVICE PLAN | $2K | — | $2K | 4.36% |
| 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 | — | $177K |
| SEANCO LLC DBA THE BENEFITS GROUP INSURANCE AGENT | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 677 SOUTH MAIN ST CHESHIRE, CT 06410 | $0 |
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 | 436 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 449 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 290 | $265K |
| Vision | VISION SERVICE PLAN | 233 | $34K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 402 | $583K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 402 | $583K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 402 | $583K |
| Stop-loss / reinsurancereinsurance | ANTHEM BLUE CROSS AND BLUE SHIELD | 436 | $329K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 402 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.