| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN KAUFMAN3 | WDK BENEFITS, LLC 20 BATTERSON PARK SUITE 120 FARMINGTON, CT 06032 | EQUITABLE FINANCIAL LIFE INS. COMPANY | $19K | — | $19K | 11.63% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE | 2 ENTERPRISE DRIVE SUITE 204 SHELTON, CT 06484 | EQUITABLE FINANCIAL LIFE INS. COMPANY | — | $5K | $5K | 3.36% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS | 2 ENTERPRISE DR SUITE 204 SHELTON, CT 06484 | EQUITABLE FINANCIAL LIFE INS. COMPANY | — | $4K | $4K | 2.19% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 Filed as: DIVERSIFIED GROUP BROKERAGE CORP | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | TOKIO MARINE HCC | $888 | — | $888 | 2.75% |
| DIVERSIFIED GROUP BROKERAGE CORP.3 Filed as: DIVERSIFIED GROUP BROKERAGE | 369 NORTH MAIN STREET MARLBOROUGH, CT 06447 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.99% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INS. COMPANY | 244 | $163K |
| Vision | EQUITABLE FINANCIAL LIFE INS. COMPANY | 244 | $163K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 238 | $13K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INS. COMPANY | 244 | $163K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INS. COMPANY | 244 | $163K |
| Other(2 contracts, 2 carriers) | TOKIO MARINE HCC | 238 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.