| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WENTWORRTH DEANGELIS KAUFMAN3 | 74 BATTERSON PARK RD #2 FARMINGTON, CT 06034 | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | $7K | — | $7K | 7.50% |
| JOHN M KAUFMAN3 | 74 BATTERSON PARK ROAD FARMINGTON, CT 06032 | THE STANDARD | $3K | — | $3K | 11.81% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 Filed as: DIVERSIFIED GROUP BROKERAGE CORP | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | TOKIO MARINE HCC | $810 | — | $810 | 3.00% |
| JOHN KAUFMAN3 | 74 BATTERSON PARK ROAD FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.52% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 Filed as: DIVERSIFIED GROUP BROKERAGE | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | MONY LIFE INSURANCE | $2K | — | $2K | 14.45% |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF CONNECTICUT, INC. | 214 | $100K |
| Life insurance | MONY LIFE INSURANCE | 242 | $12K |
| Long-term disability | THE STANDARD | 106 | $29K |
| Other(3 contracts, 3 carriers) | TOKIO MARINE HCC | 242 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.