| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACBI, INC.3 | 491 MAIN STREET BANGOR, MA 04401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 3.31% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 3.30% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $315 | $315 | 0.04% |
| SEANCO LLC DBA THE BENEFITS GROUP3 Filed as: SEANCO LLC | 700 W JOHNSON AVE STE 301 CHESHIRE, CT 06410 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$102 | — | -$102 | -0.01% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS INC | 2150 POST ROAD 4TH FLOOR FAIRFIELD, CT 06824 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $24K | $4K | $28K | 10.21% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS INC. | 2 CORPORATED DR #335 SHELTON, CT 06484 | VISION SERVICE PLAN | $2K | — | $2K | 3.68% |
| ACBI, INC.3 | 2150 POST RD 4TH FLOOR FAIRFIELD, CT 06824 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 15.41% |
| ACBI, INC.3 | 2 CORPORATE DRIVE SHELTON, CT 06484 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.51% |
| CFS HARTFORD LLC3 | 197 SCOTT SWAMP ROAD FARMINGTON, CT 06032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.02% |
| 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 | — | $367K |
| ASSOCIATED COMMUNITY BROKERS INC EIN 06-1475928 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 2150 POST RD FAIRFIELD, CT 06824 | $0 |
| INGENIORX, INC. EIN 82-3062245 CLAIMS ADMINISTRATOR | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | -$58K |
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 | 487 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 57 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 572 | $278K |
| Vision | VISION SERVICE PLAN | 276 | $41K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 478 | $714K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 478 | $714K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 478 | $714K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC. | 500 | $359K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 478 | $751K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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 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.