| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PROGRAMMERS, INC. Filed as: INSURANCE PROGRAMMERS | 10 TECHNOLOGY DRIVE WALLINGFORD, CT 06492 | HCC LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAV-RX EIN 47-0527013 NONE | Accounting (including auditing) Service code 10 | 224 NORTH PARK AVENUE FREEMONT, NE 68025 | $1.3M |
| ANTHEM HEALTH PLANS, INC EIN 06-1475928 | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing Service code 12 | 1351 WM. HOWARD TAFT RD CINCINNATI, OH 45206 | $141K |
| INSURANCE PROGRAMMERS INC. EIN 06-0811449 NONE | Accounting (including auditing); Claims processing; Insurance brokerage commissions and fees Service code 10 | 10 TECHNOLOGY DRIVE WALLINGFORD, CT 06492 | $117K |
| DAVIS VISION EIN 11-3051991 NONE | Other insurance fees and expenses Service code 73 | 159 EXPRESS STREET PLAINVIEW, NY 11803 | $96K |
| SEGAL COMPANY EIN 13-1835864 NONE | Investment management fees paid indirectly by plan; Actuarial Service code 11 | 116 HUNTINGTON AVE, 8TH FLOOR BOSTON, MA 02116 | $56K |
| CHEVERIE PC EIN 06-1335139 NONE | Legal Service code 29 | 333 EAST RIVER DRIVE, SUITE 101 EAST HARTFORD, CT 06108 | $40K |
| BEERS HAMERMAN COHEN & BURGER PC EIN 47-2517893 NONE | Accounting (including auditing) Service code 10 | 234 CHURCH STREET NEW HAVEN, CT 06510 | $17K |
| LWR HDSN VAL EAP EIN 13-3240307 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 3505 HILL BLVD. SUITE A YORKTOWN HEIGHTS, NY 10598 | $13K |
| OLSEN MOBECK EIN 06-1082686 NONE | Investment management fees paid directly by plan Service code 51 | 1310 SILAS DEANE HIGHWAY WETHERSFIELD, CT 06109 | $9K |
| CHARLES SCHWAB & COMPANY EIN 94-1737782 NONE | Investment management Service code 28 | — | $1K |
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 | 408 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 254 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 451 | $220K |
| Life insurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 604 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 604 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.