| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | — | $50K | 3.91% |
| PEOPLES UNITED INSURANCE AGENCY(BRI3 Filed as: PEOPLES UNITED INS AGENCY | 850 MAIN STREET BRIDGEPORT, CT 06604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 6.03% |
| KEVIN P MULLANE3 | 6515 GRAND TETON PLAZA SUITE 135 MADISON, WI 537191048 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $12K | $55 | $12K | 11.76% |
| TIMOTHY W POWERS3 | 525 JUNCTION ROAD SUITE 8100N MADISON, WI 53717 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $945 | $4K | $5K | 5.09% |
| PETER S NOVAK3 | 330 WHITNEY AVENUE SUITE 600 HOLYOKE, MA 01040 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $54 | — | $54 | 0.05% |
| JACK ALLEN NORRIS3 Filed as: JACK R KAPINUS | 525 JUNCTION ROAD SUITE 8100N MADISON, WI 537172152 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $17 | — | $17 | 0.02% |
| GREGORY & APPEL, INC.3 Filed as: GREGORY MCROBERTS | 900 EAST 96TH STREET SUITE 300 INDIANAPOLIS, IN 46240 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $5 | $5 | 0.01% |
| PETER G CAREY3 | 4 POWERS COURT SIMBURY, CT 06070 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| PEOPLE'S UNITED INSURANCE AGENCY3 Filed as: PEOPLE'S UNITED INS AGENCY, INC. | 755 MAIN STREET HARTFORD, CT 06103 | VISION SERVICE PLAN | $697 | — | $697 | 7.79% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | ONE FINANCIAL PLAZA HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $179 | $12 | $191 | 16.00% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $185K |
| Vision | VISION SERVICE PLAN | 92 | $9K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $185K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $284K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.