| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROCYON BENEFITS, LLC3 | ONE CORPORATE DRIVE SUITE 225 SHELTON, CT 06484 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 3.31% |
| ACBI, INC.3 | 491 MAIN STREET BANGOR, ME 04401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | — | $23K | 3.29% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.03% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35 | — | $35 | 0.00% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS INC | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $8K | — | $8K | 2.88% |
| PROCYON BENEFITS, LLC3 Filed as: PROCYON BENEFITS | ONE CORPORATE DRIVE SUITE 225 SHELTON, CT 06484 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $6K | — | $6K | 2.13% |
| ASSOCIATED COMMUNITY BROKERS, LLC3 Filed as: ASSOCIATED COMMUNITY BROKERS INC. | 2 CORPORATED DR #335 SHELTON, CT 06484 | VISION SERVICE PLAN | $1K | — | $1K | 2.75% |
| PROCYON BENEFITS, LLC3 Filed as: PROCYON BENEFITS | 1 CORPORATE DR SUITE 225 SHELTON, CT 064846230 | VISION SERVICE PLAN | $537 | — | $537 | 1.32% |
| PROCYON BENEFITS, LLC3 Filed as: PROCYON BENEFITS | ONE CORPORATE DRIVE SUITE 225 SHELTON, CT 06484 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.95% |
| ACBI, INC.3 | 2 CORPORATE DRIVE SHELTON, CT 06484 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS, INC. EIN 06-1475928 CLAIMS ADMINISTRATOR | Float revenue; Other services; Claims processing; Contract Administrator; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $420K |
| ACBI EIN 06-1475928 BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions; Non-monetary compensation Service code 22 | 2 CORPORATE DRIVE SUITE 335 SHELTON, CT 06484 | $0 |
| ASSOCIATED COMMUNITY BROKERS INC EIN 06-1475928 BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2150 POST RD FAIRFIELD, CT 06824 | $0 |
| PROCYON BENEFITS LLC EIN 06-1475928 BROKER | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | ONE CORPORATE DR SUTIE 225 SHELTON, CT 06484 | $0 |
| INGENIORX, INC EIN 82-3062245 CLAIMS ADMINISTRATOR | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing Service code 12 | — | -$82K |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 483 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 598 | $278K |
| Vision | VISION SERVICE PLAN | 290 | $41K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 484 | $709K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 484 | $709K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 484 | $709K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS, INC. | 523 | $359K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 484 | $744K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 598 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.