| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 3.66% |
| PEOPLE'S UNITED INSURANCE AGENCY3 Filed as: PEOPLE'S UNITED INS AGENCY | 850 MAIN STREET BRIDGEPORT, CT 06604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 7.71% |
| KEVIN P MULLANE3 | 6515 GRAND TETON PLAZA SUITE 135 MADISON, WI 537191048 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $11K | $329 | $11K | 11.73% |
| TIMOTHY W POWERS3 | 525 JUNCTION ROAD SUITE 8100N MADISON, WI 53717 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.57% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 755 MAIN STREET HARTFORD, CT 06103 | VISION SERVICE PLAN | $616 | — | $616 | 8.42% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | ONE FINANCIAL PLAZA HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 14.99% |
No Schedule C service providers reported on this filing.
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 100 | $1.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $185K |
| Vision | VISION SERVICE PLAN | 76 | $7K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $185K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $280K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 123 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.