| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | SUN LIFE ASSURANCE COMPANY OF CANADA | $46K | — | $46K | 6.60% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $360 | $360 | 0.05% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS INC | 2150 POST RD FAIRFIELD, CT 06824 | ANTHEM HEALTH PLANS, INC. | $111K | — | $111K | 18.52% |
| SEANCO LLC DBA THE BENEFITS GROUP3 | 510 CORNWALL AVE 2ND FLOOR CHESHIRE, CT 06410 | ANTHEM HEALTH PLANS, INC. | $17K | — | $17K | 2.84% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS INC | 2150 POST ROAD 4TH FLOOR FAIRFIELD, CT 06824 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $15K | — | $15K | 5.00% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS INC. | 2 CORPORATED DR #335 SHELTON, CT 06484 | VISION SERVICE PLAN | $2K | — | $2K | 4.02% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS | 2150 POST RD 4TH FLOOR FAIRFIELD, CT 06824 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.90% |
| SEAN J RABINOWITZ3 | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 6.47% |
| CFS HARTFORD LLC3 | 197 SCOTT SWAMP ROAD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $95 | — | $95 | 0.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS, INC. 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 | — | $346K |
| INGENIORX, INC. EIN 82-3062245 CLAIMS ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue; Claims processing Service code 12 | — | -$21K |
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 | 507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 345 | $293K |
| Vision | VISION SERVICE PLAN | 301 | $42K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 507 | $702K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 507 | $702K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 507 | $702K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC. | 500 | $599K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 507 | $734K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.