| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN A LUCIANI3 | 10 RESEARCH PKWY WALLINGFORD, CT 064921963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $94K | $10K | $104K | 20.42% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PKWY WALLINGFORD, CT 064951963 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $504 | $4K | 10.33% |
| PROFESSIONAL PENSIONS INC5 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PKWY WALLINGFORD, CT 064921963 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.00% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PKWY WALLINGFORD, CT 064921963 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $365 | $4K | 14.49% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 064921963 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| BRIAN A LUCIANI3 Filed as: BRIAN LUCIANI | 8 HAZEL TERRACE WOODBRIDGE, CT 06525 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $384 | $0 | $384 | 14.98% |
| GROUP INSURANCE ASSOCIATES3 | 8 HAZEL TERRACE WOODBRIDGE, CT 06525 | HARTFORD LIFE AND ACCIDENT | $204 | $0 | $204 | 15.00% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $508K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $508K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $508K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $25K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 312 | $508K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 239 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.