| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WILSHIRE GROUP LLC3 Filed as: THE WILSHIRE GROUP, LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | OXFORD HEALTH INSURANCE, INC. | $22K | $1K | $23K | 3.78% |
| WILLIAM P MCCARTHY3 Filed as: WILLIAM MCCARTHY | 45 WINTONBURY AVE., SUITE 311 BLOOMFIELD, CT 06002 | OXFORD HEALTH INSURANCE, INC. | $2K | — | $2K | 0.33% |
| THE WILSHIRE GROUP LLC3 | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 6.37% |
| WILLIAM P MCCARTHY3 Filed as: WILLIAM P. MCCARTHY | 34 JEROME AVE., SUITE 302 BLOOMFIELD, CT 06002 | AETNA LIFE INSURANCE CO. | $182 | — | $182 | 0.45% |
| QUANTUM BENEFITS3 | 21 BUSINESS PARK DRIVE BRADFORD, CT 06405 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.49% |
| WILLIAM P MCCARTHY3 Filed as: WILLIAM P. MCCARTHY | 34 JEROME AVE., SUITE 302 BLOOMFIELD, CT 06002 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $413 | — | $413 | 1.68% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 91 | $601K |
| Dental | AETNA LIFE INSURANCE CO. | 115 | $41K |
| Life insurance | AETNA LIFE INSURANCE CO. | 115 | $41K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $25K |
| Other | AETNA LIFE INSURANCE CO. | 115 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.